Credit Risk Cover Letter

I submit this application to express my sincere interest in the credit risk position.

In the previous role, I was responsible for risk oversight for the development of integrated operating procedures to align processes across all business segments in compliance with Regulatory and Audit requirements.

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

• Excellent organizational and time management skills to deal with multiple and sometimes conflicting demands within tight time constraints
• Timely and accurate reporting of North Asia Portfolio Risk for senior management purposes
• Requires good communication (written and verbal)
• Knowledge of data held by Credit Reference Agencies
• Improve existing process and procedure for the credit approval / credit control process
• Skilled in applicable computer software, Microsoft Word, Microsoft Excel, SAS
• To be familiar with and follow the policies as described in the FDMS Credit Policy
• Knowledge of the process flow of bank transactions and the correct use of the Bank’s systems

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

In my previous role, I was responsible for statistics and evaluations on an ongoing basis, on risk ratings and portfolio mix with a comparison to the business plan.

Please consider my experience and qualifications for this position:

• Organize and prepare various materials for local management & management committees
• Participate in the management of the Japan credit risk portfolio through updating data in credit risk systems based upon transaction approvals
• Develops customized reports using JDE downloads, BI, and CRM
• Strong understanding of credit and financial analysis
• Sound knowledge of lending principles and practices
• Proficiency in MS Excel and other Office products
• MS Office, SAS, SQL
• Analyze, track and communicate the results of the team

I submit this application to express my sincere interest in the credit risk position.

In my previous role, I was responsible for data analytics to the Credit Acceptance Department's Policy Unit to assist in the formation of credit policies.

Please consider my experience and qualifications for this position:

• Approve high-value lending decisions
• Prepare and present recommendations to the relevant Management committee
• Acting as the subject matter expert with regards to Lending policy and respond to Sales, Underwriters, Internal Stakeholders and Clients
• Maintaining a comprehensive knowledge and understanding of client policy
• Experience with Microsoft Office (Word, Excel, Access, PowerPoint)
• Experience in consumer credit portfolio analysis with either a captive finance company or automotive finance company
• Experience with advanced analytics in Excel
• Understanding of credit risk modeling/ impairment modelling/ portfolio loan loss and provision forecasting

I submit this application to express my sincere interest in the credit risk position.

In my previous role, I was responsible for business user support including responses to data inquiries, information, and training support; proactively manage the communications and business support process.

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:

• Proven quantitative and qualitative skills
• PC literate - Excel, Work, PowerPoint, Access
• Merchant acquiring or card/payments processing industry experience highly desirable
• Maintain current knowledge of industry and professional topics by attending relevant training sessions
• Knowledge of indirect loan/lease consumer lending
• Excellent mathematical skills and financial acumen
• Exposure to data mining large datasets
• In depth understanding of customer and market needs and structure

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

In the previous role, I was responsible for appropriate trend analysis and analytical insight, including recommendations for improvement in business processes to support business decision making.

Please consider my experience and qualifications for this position:

• Personal leadership – strong work ethic
• BA in Finance & MBA / MA preferred (Finance or Accounting )
• National and International Bankruptcy law experience preferred
• Recognize high risk patterns and compare alerting transactional activity to historical activity for the merchant, along with the merchant’s overall profile including tenure and depth of customer relationship, industry / products being sold, and card capture method
• Determine whether the merchant is submitting potentially fraudulent transactions and requires immediate escalation (Fraud Risk)
• Determine whether the merchant’s activity has materially changed the Credit Risk exposure of the relationship compared to their originally approved business activity (Credit Risk)
• Acts as the first line of defense for Funding Controls, restricting funding to merchants that require in-depth investigation, or releasing funding to the merchant if no material concerns are identified
• Follows defined review processes to make an informed real-time decision to escalate the event for further investigation