Associate Credit Cover Letter

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

Previously, I was responsible for subject matter expertise on Fidelity’s global procure to pay processes and policies to resolve complex accounting issues.

Please consider my experience and qualifications for this position:

• Proficient with automated accounting systems
• Experience with credit/collection policies and procedures as related to the collection of commercial accounts
• Familiarity with accounting principles and practical application within the collection environment
• Experience in the Industrial Industry preferred
• Strong computer skills and knowledge of credit scoring
• Prior experience in the refining industry operations environment preferred
• Adequate knowledge of Microsoft Office, specifically Excel and MS Word
• Telephone debt collection (preferably chasing business debt)

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

In my previous role, I was responsible for back up to the Credit Manager by assisting with all facets of the credit department’s processes.

Please consider my experience and qualifications for this position:

• Operational and Conduct Risk & Regulatory Responsibilities
• Sound, appropriate, timely, consistent, quality, clear & concise credit decisions experienced at one of the above listed roles in commercial banking or Private Wealth
• Knowledge & Expertise applicable to Industry, Business & Management in consultation with Stakeholders
• Experience in transformation activity
• Experience facing into and influencing multiple stakeholders at senior levels
• Cash application knowledge
• Proficiency in at least one European language in addition to English
• Prior Small Business underwriting experience highly preferred

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

Previously, I was responsible for feedback regarding trends and make recommendations to improve credit policies, Customer experience and/or operational processes.

Please consider my qualifications and experience:

• Proficient in Microsoft office and receivable management systems
• Exposure to Accounts Receivable
• Strong verbal, written, and interpersonal skills, analytical and problem solving skills
• Collateralized Loan Obligations (CLOs) background
• Commercial banking, financial analysis, research or related experience
• Familiarity with LBO/DCF models would be ideal, but not essential
• Excellent skills in credit/financial statement analysis and a solid understanding of business and financial markets and the effects of economic conditions on the Bank's risk assets
• Broad knowledge of corporate finance concepts and theories, industry credit processes, lending policies, current financial environments and risk management techniques

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

In my previous role, I was responsible for credit knowledge to country locations in order to minimize probability of credit losses, while maintaining effective processes to maximize sales and profitability.

Please consider my qualifications and experience:

• Knowledge in working with database applications, SAP (strongly preferred) or other advanced ERP systems
• Experience from a multinational preferably with a matrix structure
• Able to work independently to complete assigned tasks
• Understanding of the commodity trading and energy sectors and general banking practices
• Strong Excel skills for financial statement analysis, including past experience with cash flow, leverage and projection modeling
• Formal credit training with an established financial insitution
• Progress towards CFA (Level 1…)
• Requires intermediate knowledge of Microsoft Office programs

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

In the previous role, I was responsible for customer service to field credit manager and external customers that need assistance with credit processes/issues.

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:

• Awareness of FCRA, ECOA, Card Act and other relevant credit regulations
• Subject matter expertise in credit card risk management, or at least, basic understanding of credit risk management
• Experience using different statistical techniques such as CHAID, logistic regression and cluster analysis
• Prefer accounting/professional accounts receivable management experience
• Personal computer skills desirable
• Background in Global Markets Sales and knowledge of the relevant markets marketing and sales experience across product lines
• Good product knowledge of the whole Markets product range, especially all aspects of Fixed Income including Rates, Credit, Emerging Markets, Structured Credit and Rate Derivatives
• Proficiency in Microsoft Excel and Word are important