Credit Portfolio Analyst Cover Letter

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

Previously, I was responsible for consistent and competent back up to the other members of the Credit Risk Management team in reporting and completion of credit reviews.

Please consider my experience and qualifications for this position:

• Contribute to the implementation of risk policy and ensure that risks taken are in line with this policy
• Contribute to the business lines risks frameworks definition & implementation
• Cooperate and coordinate with other Risks teams to ensure complete coverage of credit, counterparty, market and liquidity risks (TAC/NACs, portfolio analysis and monitoring)
• Ensure definition and update of procedures related to the risk monitoring of the business lines activities
• As second level of control, monitor and analyse risks
• Extensive experience in the use of advanced data analytic methods and statistical decisioning tools to drive automated strategy decisions in a business or consumer credit environment across the credit cycle including origination, collections and credit operations
• Passion to learn and utilise artificial intelligence and machine learning to drive better and more targeted credit decisions for small business customers
• Exceptional SAS/R/Python/SQL Skills

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

Previously, I was responsible for oversight in the preparation of management reporting to summarize the status of Commercial Banking Credit Management related projects, initiatives, and workflow pipeline activities.

Please consider my qualifications and experience:

• Real estate tax credit project finance experience is highly desirable
• MBA from a Tier-1 institute or Chartered Accountant preferred
• Excellent data management and analytical skills in Microsoft Excel
• Effective communication and relationship management which can interrelate to a cross section of stakeholders including senior management, risk management and credit management groups and other TBSM front office team members
• Experience in GBP credit markets highly desirable – but not essential
• Strong technical aptitude with knowledge of databases, management information systems, and banking systems through college course work and/or job experience
• Previous experience with an enterprise data warehouse and data governance principles
• Previous experience within a lending environment including loan operations and servicing

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

Previously, I was responsible for value-added advice and consulting for business/commercial management on all credit related matters, including planning and reporting of DSO and other credit performance measures.

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:

• Results orientated with strong commercial focus and focus on delivering an exceptional customer experience
• Basic understanding of P&L, RWA and Economic Capital
• Exhibit a natural curiosity into Small Business and challenges and opportunities in this market to delight small business customers
• Experience with the Enterprise Data Warehouse (EDW)
• Experience with SharePoint development is an asset
• We are seeking an Analyst with 0-2 yrs experience to join the ISG lending portfolio analytics team
• Help analyze portfolio risk for Firm’s ISG lending business with focus on SPG lending (Commercial Real Estate and Fid Secured Lending)
• Be involved in all aspects of stress loss analysis (CCAR) and production with focus on SPG (CRE and FSL) lending

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

Previously, I was responsible for credit risk oversight of the commercial loan portfolios (e.g., Multi-Family, CRE, Commercial and Industrial, Specialty Finance) and investment portfolios by engaging the following strategies:.

Please consider my qualifications and experience:

• Collaborate with the broader risk coverage and business team to provide lending pipeline estimates and analysis
• Work with modeling, technology, reporting and finance to continue building new and enhancing existing models and create automated solutions
• Familiar with fixed income products such as loans, bonds, CDS, securitized products
• Highly competent in fixed income mathematics and quantitative analysis
• Comfortable working with and understanding programing languages such as Java/R/VBA
• Competent working with SQL for data analysis
• Comfortable communicating and conveying results and ideas to peers and senior managers
• Hard working, self-starter, team player

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

In the previous role, I was responsible for value-added advice and consulting for business/commercial management on all credit related matters, including reporting of DSO and other credit performance measures.

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

• Credit related experience in the Consumer or Mortgage lending spaces
• In carrying out this task, it would help if analyst has a curious and enquiring mind and is eager to learn about news and developments in the various property sectors through media reports, industry publications and journals
• The analyst needs to be very conversant with Microsoft Excel
• A meticulous approach to figures and attention to detail are requisites
• Relevant and/or similar experience working in fixed income markets
• Advanced working knowledge of fixed income products, especially bonds and associated risk metrics derivation is essential
• Advanced working knowledge of Excel, including advanced macros and VBA
• Knowledge of Python is preferred but not essential