Commercial Lender Cover Letter

Please consider me for the commercial lender opportunity. I am including my resume that lists my qualifications and experience.

Previously, I was responsible for administrative assistance to department loan officers, including taking customer applications, pulling credit reports, preparing loan worksheets and typing loan documents, and when necessary, closing loans.

Please consider my experience and qualifications for this position:

• High level of mathematical, finance and analytical skills
• General knowledge of business deposit products
• Formal training in commercial credit underwriting preferred
• Excellent business development skills with record of success in the creation of new business, and retention & growth of existing customer relationships
• Expert knowledge of commercial loans, credit analysis and lending
• Community involvement and business banking experience in Flagstaff strongly preferred
• Experience calling on businesses in Coconino County strongly preferred
• May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports

I would like to submit my application for the commercial lender opening. Please accept this letter and the attached resume.

In my previous role, I was responsible for oversight and direction over the team’s accuracy and timeliness of credit underwriting and credit approval packages, loan agreement compliance, past due payments, collateral and critical exceptions, financial statement tracking, loan coding, borrower and facility risk rating and the timeliness of annual relationship reviews and annual renewals.

Please consider my experience and qualifications for this position:

• Stay apprised of local development of industrial, commercial, and financial situations relating to new or existing businesses
• Financial analytical and underwriting expertise
• Actively pursue loans of all types
• Assure loan documentation is complete and correct prior to closing, ensuring accuracy and compliance with state and federal regulations and bank policy
• Review and analyze financial statements, tax returns, title insurance commitments, credit reports, and appraisals prior to closings
• Monitor loan delinquency and proactively identify credit problems
• Manage past due loans in his/her portfolio
• Formal credit training by a national or large regional bank preferred

I would like to submit my application for the commercial lender opening. Please accept this letter and the attached resume.

In my previous role, I was responsible for backup to the Loan Administration Manager for review of flood insurance in compliance with all bank and regulatory requirements.

I reviewed the requirements of the job opening and I believe my candidacy is an excellent fit for this position. Some of the key requirements that I have extensive experience with include:

• Advanced knowledge in credit analysis and credit portfolio management
• Advanced knowledge of the loan market and various industry (OCC and FDIC) regulations
• Able to understand the parts, causes and potential outcomes of issues and problems, and to implement information or formulate corrective actions
• Knowledgeable of loan policies and procedures
• Extensive contact with Agribusiness Finance team members, assigned industry team members, and with other Association staff to include Capital Markets and Syndications, Appraisal, Legal, Finance, and Credit team members along with the Associations� senior leadership
• Intermediate knowledge in credit analysis and credit portfolio management
• Intermediate knowledge of the loan market and various industry (OCC and FDIC) regulations
• Using logic and reasoning to identify the strengths and weaknesses of a Borrower

In response to your job posting for commercial lender, I am including this letter and my resume for your review.

Previously, I was responsible for administrative assistance to department loan officers, including taking customer applications, pulling credit reports, preparing loan worksheets, and when necessary, closing loans.

Please consider my experience and qualifications for this position:

• Proven track record of multi-tasking and working under a heavy workload with changing priorities
• Basic knowledge in credit analysis and credit portfolio management
• Basic knowledge of the syndicated loan market and various industry (OCC and FDIC) regulations
• Basic understanding of credit analysis, loan structuring, collateral analysis, loan pricing and loan management
• Identify and develop business banking relationships with small to mid-size companies to offer and provide full-service banking relationships that includes loans, deposits, and treasury services
• Manage and maintain a loan portfolio so as to insure that loans are appropriately risk graded and technical exceptions are minimized
• Effectively recognize and refer to other areas of Bank for cross-selling opportunities
• Involvement with community or networking groups that increases the Bank's presence in market assigned

I am excited to be applying for the position of commercial lender. Please accept this letter and the attached resume as my interest in this position.

In my previous role, I was responsible for support administering day to day credit and loan process inclusive of department’s past due accounts, tickler review, credit extensions, and customer inquiries.

My experience is an excellent fit for the list of requirements in this job:

• Knowledge of investments, trust and financial consulting concepts is preferred to identify cross selling opportunities
• Strong organizational skills and portfolio management expertise
• Maintain the integrity of highly confidential customer and bank financial information
• Demonstrated negotiation skills and experience closing real estate transactions
• Capable of organizing, facilitating, and leading a team of bank associates and analysts to underwrite and obtain credit approval
• Successful track record of developing and enhancing well rounded client relationships
• Knowledge of current market, geography and economic conditions
• Understanding of industry and clients and their impact on credit