Senior Credit Analyst Cover Letter

In response to your job posting for senior credit analyst, I am including this letter and my resume for your review.

In my previous role, I was responsible for analysis and advice to management in the areas of operations, resource management, finance, revenue accounting, pricing, and/or contracts.

Please consider my qualifications and experience:

• Analytical experience covering industry sectors such as steelmaker, commodity traders, energy, utilities and shipping with a focus in China, Japan and Korea necessary
• Fluent in both English and Chinese necessary
• True believer in simplicity, delivering high quality works, and process excellence necessary
• Have prior Professional experience in Finance or Accounting
• Understanding of the full responsibilities of a credit risk function, from Acquisition through Customer Management to Collections/Recoveries
• Develop innovative new models, forecasting and analytical tools to meet client requirements and add real value to the business
• Produce regular portfolio analysis reports, presenting key findings that feed into key strategic decisions for our clients
• Develop and maintain comprehensive model and report documentation for internal and client usage

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

Previously, I was responsible for information to Accounting Supervisor, Finance, Sales or Customer Service regarding status or specific details on accounts.

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:

• Effectively communicate both internally with financial and non-financial employees externally with banks, lessors, lenders, and other financial parties
• Demonstrable success and experience in municipal or corporate workout/distress situations
• Deep understanding of global fixed income products with a strong background in statistics or economics
• Appreciates seeing one’s investment ideas added to investment portfolios and enjoys credit analysis as a long-term career
• Proficiency in the assessment of the credit risk
• Credibility and autonomy in interacting with credit process stakeholders and in providing input and clarifications during credit committees
• Fluent language skills in Swiss-German or German
• Expertise in financial statement analysis, financial ratios, risk assessment and account reconciliation

Please consider me for the senior credit analyst opportunity. I am including my resume that lists my qualifications and experience.

In the previous role, I was responsible for additional necessary analysis of the accounting activity and finance related projects as required.

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

• Experience in negotiation of terms and conditions of transactional documents
• Expertise with statistical concepts (break-even analysis, NPV estimation, etc)
• General understanding of customer and market needs and structure
• Basic Competency in Managing Controls, Business Acumen, Analytics and Systems, Business Strategy modeling and portfolio management, project & change management, driving business value and performance
• In depth knowledge of financial statements and associated analysis
• Highly organized self-starter able to work independently
• Advanced knowledge of Microsoft Excel (VBA knowledge is preferred)
• Working knowledge of database structures

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

In the previous role, I was responsible for insightful analysis to EMEA finance management and to US Finance teams on a wide variety of financial topics.

Please consider my experience and qualifications for this position:

• Professional certifications such as CPA preferred
• Some knowledge in database management (Access, SQL) beneficial
• Experience with data analytics, SAP, Business Warehouse preferred
• Analyses standard, nonstandard and complex credit applications and verifies credit data consistency
• Takes decisions consistent with approved credit policies, guidelines and procedures
• Gathers and compiles data to ensure that sufficient information is available to relevant Credit Committees and/or more senior decision makers
• Comply with all applicable legal and regulatory requirements, including Corporate Governance, Anti-Financial Crime (Anti-Money Laundering), Anti-Corruption (Bribery Act), Competition, Data Protection, Consumer Credit Act and FSA
• Intermediate to advanced SAS and SQL

In response to your job posting for senior credit analyst, I am including this letter and my resume for your review.

In my previous role, I was responsible for support for management requests for data and analysis spanning multiple functional finance and accounting areas.

Please consider my experience and qualifications for this position:

• A broad understanding of the full responsibilities of a credit risk function, from Acquisition through Customer Management to Collections/Recoveries
• Experience of working with price comparison websites and third-party decision solution providers would be an advantage, but is not essential
• Excellent analytical, organizational, written and oral communication skills, attention to detail
• Possess and maintain a high level of business knowledge, including industry operating regulations
• Review and recommend credit worthiness of new and existing customer
• Work with global team to reduce company exposure (past due AR, expired or no LC/BG, prepaid accounts with balance owing)
• Make recommendations for credit limits
• Verifies customer payments