Manager, Credit Risk Cover Letter

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

In my previous role, I was responsible for recommendations & updates pertaining to credit risk at the Retail Risk Policy Committee, Pricing Committee, and Product Boards to ensure adequate vetting of proposals to balance risk vs.

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:

• Working knowledge of dealership accounting
• Enterprise Risk or Credit Risk experience is strongly preferred
• Prior people management responsibilities is preferred
• Relevant credit management experience
• SAP or ERP system knowledge preferred
• Strong Interpersonal skills to navigate through multiple cultures
• Experience with predictive scorecards, including data analysis understanding of statistical performance indicators
• Strong knowledge of risk management principles and controls, broad-based business practices, transaction structuring and credit documentation

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

In the previous role, I was responsible for ongoing feedback to channel management and Director of FD credit & risk on matters involving credit & risk.

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:

• Provide monthly credit reports and results to senior management
• Attend client and sales meetings to resolve individual credit issues
• Produce specific detailed customer reviews
• Work closely with credit insurers and administer the credit insurance policy, submitting appeals as appropriate
• Monitor e-source and media information for TG&P client portfolio
• Generate bespoke solutions and agreements for new contract opportunities
• Initiate and lead projects to improve processes and core functions
• Build constructive and positive relationships with sales teams working collaboratively to deliver innovative solutions

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

In the previous role, I was responsible for leadership and key oversight on the evaluation and decisions made on credit score and policy changes across the credit life cycle (adjudication, customer management and collections) with a focus on independent analysis of the risk-return trade-off given the credit risk profile of each proposal.

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

• Knowledge of scripting and automation (Excel VBA, Python, Perl, C#)
• Experience of participation in internal/external audit exercise
• Possesses an understanding of the current business environment, demonstrated knowledge of credit policy and analytical abilities
• Customer facing calling experience
• BA/BS in Finance, Economics, Mathematics
• Strong skills in strategic influencing and working collaboratively with cross functional business partners in Canada, with external vendors
• Knowledge in regulatory capital requirements, credit product knowledge and capital modeling
• Strong programming skills in SQL, VBA, Matlab and/or SAS

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

Previously, I was responsible for direct operational assistance and support to the SVP and VP’s, Credit Risk Management as well as the High Risk Team.

Please consider my experience and qualifications for this position:

• Carry out annual due diligence and write up annual reviews including proposing suitable limits
• Solid experience in a Hedge Fund credit risk or related risk management role at a major investment bank/institution
• In-depth risk management experience across asset classes and good product knowledge across derivative and financing markets
• FRM/CFA/CAIA qualification
• Previous experience in negotiating legal documents (ISDA, GMRA, PBA, LDA )
• Strong oral/written communication/presentation skills, strong interpersonal skills and comfort in interacting with cross functional teams and with all levels of management
• Financial services experience either as part of a financial services institution, in an advisory or business consulting capacity, or in the regulation of bank institutions preferred
• MS/PhD in quantitative field such as Mathematics, Operations Research, Engineering, Statistics or Equivalent

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

In the previous role, I was responsible for an independent and consistent approach for the measurement of credit risks, capitals and other credit risk related measurements.

Please consider my qualifications and experience:

• Strong knowledge of SEC (Sarbanes Oxley) Section 404 controls management and reporting requirements
• Strong knowledge of the COSO Integrated Frameworks (Enterprise Risk Management Integrated Framework and Internal Control Integrated Framework)
• Expert level knowledge of policies and requirements of the GSEs (FNMA & FHLMC) and Investors/Insurers and Guarantors (e.g., FHA, VA, USDA, GNMA, HUD’s Office of Native American Programs, State and Local Housing Authorities, and private Mortgage Insurers)
• Strong working knowledge of procedures and workflows utilized to originate, purchase, sell and/or service residential mortgages and to manage associated Vendors
• Working knowledge of Power Point/Excel/Word/SharePoint
• Excellent interpersonal skills, including oral and written communication skills and technical writing and presentation skills
• Possess good judgment, leadership, and business skills such as critical thinking, analytical, and decision making
• Strong working knowledge of Power Point/Excel/Word/SharePoint/WGS/Unify/MSP/and all systems utilized by Investors/Insurers and Guarantors