Commercial Credit Analyst Cover Letter

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

In the previous role, I was responsible for assessment, analysis and interpretation of the customers’ financial condition for proper evaluation of risk and the recommendation of appropiate credit limits.

Please consider my experience and qualifications for this position:

• May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
• Proactive – engages with the staff and business segments supported and continually looks for ways to help, provide value and create efficiencies
• Analytical and Problem Solving Skills – strong analytical skills with high attention to detail and accuracy solid problem solving and decision making skills
• Advanced knowledge of financial analysis preferred
• Proficient in Microsoft Office product suite (i.e., Excel, Word, Outlook, ) and willingness to learn additional bank software programs
• Utilization of credit skills for credit decision making, monitoring, and managing of a credit through repayment
• Complete the loan approval package, identifying relevant strengths of the opportunity and mitigating any identified risks
• Accurately review and initiate financial spreads

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

Previously, I was responsible for analysis and interpretation of the customers' financial condition for proper evaluation of risk and the establishment of proper credit limits.

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:

• Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience
• Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles
• Basic working knowledge of credit risk, legal and regulatory requirements
• Three accounting courses strongly preferred
• Strong orientation toward goals
• Conduct initial interview with the Lease Representative/RM
• Complete a written analysis of the client including Industry, Management, Financial statement and Collateral analysis, that identifies key risks to repayment sources along with mitigants
• Present the written analysis to senior management and credit approvers

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

In my previous role, I was responsible for frequent analysis of customer accounts and reviews incoming orders daily to ensure terms & conditions and overall risk are compliant with corporate credit policy.

Please consider my qualifications and experience:

• Perform basic underwriting thorough and accurate analytical packages that include all relevant risks, trends and industry information
• Complete supportive documents for analytical package
• Develop a thorough understanding of the HNB Credit policy
• Ensure the underwriting/loan structure complies with regulations, policies and procedures
• Stay informed of the legal, compliance, and risk related issues involved in the approval of credit
• Identify and mitigate credit policy exceptions
• Clearly understand primary and secondary sources of repayment
• Completion of Credit Boot Camp

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

Previously, I was responsible for analytical functions related to due diligence and financial statement analysis related to transactions, credit approval, and renewals.

Please consider my experience and qualifications for this position:

• Proficiency using Microsoft Word and Excel is strongly preferred
• PC and internet proficiency is strongly preferred
• Excellent and concise written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor
• High motivation and focus
• D+H Credit Quest knowledge
• Detailed understanding of and experience in, US regulations (CFPB, SR 11-7, FFIEC, ) and regulatory guidelines and framework for consumer lending and consumer portfolio management rules
• Experience of working with regulatory agencies such as CFPB, Federal Reserve, OCC, FDIC
• Experience in commercial credit and collections administration, especially in the chemical industry, is preferred

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

In the previous role, I was responsible for business analysis and builds risk policies and procedures per applicable policy framework and governance.

Please consider my experience and qualifications for this position:

• May be asked to complete other duties as needed
• Knowledge of job-related software such as Moodys Risk Analyst and Buker's Taxanalysis other common office software (Word/Excel) and applications
• Personal computer operation with skills in various software packages, including word processing, spreadsheet, email and presentation, and banking systems
• BS/BA in Finance/Accounting preferred
• BS/BA in Finance/Accounting/Business Management preferred
• Exposure to the automotive business environment is highly recommended, particularly if exposure was to some aspect of a commercial credit activity
• Basic knowledge of credit policies, procedures, practices and documentation
• Experience reviewing business financial statements preferred