The document is a resume for an individual seeking a position as a credit analyst. It summarizes their professional experience working as a credit analyst and intern evaluating creditworthiness and financial risk. Their education includes post-graduate and undergraduate degrees from international universities. They have strong communication, analytical, and problem-solving skills and experience using Microsoft Office programs.

1. EL GOTAI JIHANE
Contact No: +971-566213021
Email : j.gotai09@gmail.com
CAREEROBJECTIVE: To become part of an enterprising organization in the capacity of a credit
analyst – Eager to work with individuals and large businesses alike, maintaining the highest standards in
the best interests of all parties.
PROFESSIONAL WORK EXPERIENCE:
Bank/Organization: CIH BANK
Tenure: Jan-2015
Designations: Credit analyst
Responsibilities:
• Assess the creditworthiness of customers
• Evaluate the financial risk
• Monitoring of credit files
• Extend credits to customers
• Effectively assessed credit risk and (current and potential) client viability, analyzing financial
statements and cash flow of customers.
• Performed (quantitative and qualitative) analysis of requests for loans and lines of credit.
• Provided customer service support and professional financial guidance.
• Prepared written credit-approvals and denials.
Additional performances
• Fostered productive relationships with both internal and external clients.
• Maintained effective liaisons with in-company department members: account managers and product
specialists.
• Initiated changes in credit policies – Ensured policies and procedures accorded with department’s
standards
Organization: SCHINDLIER
Professional QualificationProfessional Qualification

2. Tenure: Nov-2013 to Nov-2014
Designations: Internship
Responsibilities:
 bank reconciliation,
 stock inventory,
 market analysis and contract billing
Bank/Organization: Frigo Alikaram
Tenure: 2007 to April-2009
Designations: Interternship
Responsibilities:
ACHIVEMENT
 Event Management skills use for betterment of Program
 Organizing events/activities, facilitating discussions.
 Organizing livelihoods, skill building, education, entertainment, activities with the youth.
 Coordination with Government part and institution for better programming
 Process documentation, report writing.
 Planning and Monitoring of the interventions
ACADEMIC EDUCATION:
EXAMINING BODY: YEAR
 Post-Graduation WOLLONGONG University 2016
 Graduation SOPHIA ANTIPOLIS University 2014
 Diploma MUNDIAPOLIS university 2013
 Diploma Baccalaureate certificate 2008
COMMUNICATION AND INTERPERSONAL SKILLS:
 Outstanding command over verbal and non-verbal communicative & interpersonal skills.
 Strong organizational, managerial, problem solving, interpersonal and negotiation skills.
 Confidently able to work independently or in a team to deal effectively with Banking Products.
 Flair to organize & prioritize tasks to meet deadlines.
 Ability to manage multiple projects with minimal supervision.
 Have a good knowledge command over English and Urdu Languages.
CERTIFICATION/ ADDITIONAL SKILLS:

3.  MS Office (All versions, MS Word, MS Power Point and MS Excel)
 MS Excel (MS Formulae, Macros, Presentations )
INTERESTSANDHOBBIES:
 Hobbies include anything to do in arts, music, poetry, reading historical books, philosophy and all
religious books. Enjoy and actively participate in a wide variety of sports, political discussions, and
creative activities.
 Like challenges
 Build new professional relation for business development/Betterment of Company/Organization
Travelling & Swimming.