Commercial Portfolio Manager Cover Letter

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

Previously, I was responsible for financial spreading and cash flow analysis for Credit Memos and PLR Reporting.

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:

• A strong commercial background making him/her an experienced negotiator capable of developing a strong commercial strategy
• Will act as a Liaison between loan officers and the Credit Operations department
• Structure, underwrite, and help close complex commercial loans
• Ensure that overall portfolio of relationships and transactions are in alignment with the risk profile of the bank
• Maintain a highly credible relationship between portfolio management and HNB's credit approval authorities
• Accountable for identifying client needs (both credit and non-credit) within the portfolio and referring to corporate banking team for urgent execution to drive revenue growth
• With teamwork from the Banker partner, drives the preparation of loan approval packages for new loan opportunities and renewals, including spreads, cash flow and collateral analysis, borrower relationship summary, risk grade analysis, covenant compliance as applicable, financial statement requirements, and guarantor analysis
• Completes annual reviews

I submit this application to express my sincere interest in the commercial portfolio manager position.

Previously, I was responsible for high-quality financial statement spreading and commercial credit analysis and loan review consulting for both initial underwriting purposes and annual reviews of existing credits, and credit review training.

Please consider my qualifications and experience:

• Commercial Real Estate credit experience strongly preferred
• Advanced computer skills, especially Excel/Word applications
• Excellent organizational, motivational and leadership skills
• Excellent work ethic and supervisory/delegation skills
• Excellent Microsoft Office Suite application skills
• Working knowledge of mechanical systems including elevators (freight and passenger), chillers, cooling towers, boilers, fire-life-safety systems, plumbing systems and electrical systems
• Understanding of building structures and their maintenance including mold, asbestos
• Understanding of financial statements and reporting for review of the same

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

In the previous role, I was responsible for financial spreading for Credit Memos and PLR Reporting.

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:

• Performs in a dynamic production environment and meets unit productivity goals
• Advanced understanding of credit policy and procedures and can accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits
• Advanced proficiency with personal computers and related software packages such as MS Excel, Word, and PowerPoint
• Clear communication style that will inspire and direct teams
• Self-awareness and versatility that will enable strong upwards and sideways influence
• Great insight into generics market with significant rewards for success
• Demonstrating understanding of industry, market competitive trends in making strategic decisions
• Experience with China pharmaceutical industry in Strategic marketing, new product planning, and commercial/business development

I submit this application to express my sincere interest in the commercial portfolio manager position.

In the previous role, I was responsible for leadership and guidance to the Credit Managers, Credit Analysts, and Commercial Loan Specialist Teams.

Please consider my qualifications and experience:

• Strong analytical, strategic thinking, financial analysis and forecasting skills
• Excellent sense of Teamwork/Collaboration
• Relationship and familiarity with product development in China
• Relationship and familiarity with medical community
• Previous Commercial lending experience preferred
• Excellent computer skills to include Microsoft Office (Word, PowerPoint, Excel)
• Strong, hands-on credit skills/experience
• Client relationship management experience from a financial institution

I submit this application to express my sincere interest in the commercial portfolio manager position.

Previously, I was responsible for technical support to National Manager, Commercial Finance, specifically in analyzing client needs, credit requests and quotations.

Please consider my qualifications and experience:

• Knowledge of office lease clauses and their interpretation
• BS/BA in Finance/Business/Accounting or equivalent experience
• Advanced knowledge of real estate accounting practices
• Strong interpersonal skills used within a team environment and in client interaction with emphasis on
• Knowledge of products and related risk issues
• Strong knowledge and experience with Small Business Administration (SBA) &Standard Operating Procedures (SOP)
• Experience working with relational databases, with large and heterogeneous data sets from different sources
• Considerable experience and expertise with translating technical concepts and results to a non-technical audience