Credit Portfolio Group Cover Letter

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

In my previous role, I was responsible for support & minor enhancements for key credit hybrid market making, trade capture, valuation, risk analysis, and P/L tools.

Please consider my experience and qualifications for this position:

• Knowledge of JPM Rates Technology applications preferred
• Strong work ethic essential
• Understanding of key business drivers and competitive trends in the unsecured lending industry
• Analytical and good strategic thinking to leverage on data & formulate strategy
• Self-driven and has strong managerial and interpersonal skills
• Team leader experience and able to collaborate with relevant stakeholders
• Formal Financial Services Credit Training Program will be considered a decisive asset
• Strong analytical/logical mindset and attention to detail

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

In my previous role, I was responsible for advice, ideas and suggestions to customers relative to their basic banking needs in alignment with their financial objectives.

Please consider my qualifications and experience:

• Confident and able to work independently, including fronting Business partners/ stakeholders
• Derivative trading experience
• Someone who thrives on the challenge of competitive pressures and complex problem solving
• Excellent in Excel, VBA
• Improving current optimization workflow and framework to achieve more efficient end-to-end solution
• Interacting closely with Collateral Risk Management, LOB capital and funding teams, QR, MO, and Operations
• Generating and enhancing existing weekly tasks
• Interacting with LOB traders, BM and funding teams to achieve impactful structures to reduce initial margin

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

In the previous role, I was responsible for support to BankUnited Lenders, branch personnel and/or loan processors by answering queries and providing training on basic lending 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:

• Self-starter, organized and detailed-oriented with commitment to accuracy
• Tact and good judgment in confidential situation and proven experience interacting with senior management
• Work collaboratively with administrative team to back up each other smoothly
• Verbal and written communication skills in both Japanese and English
• Actively risk manage CVA/FVA portfolio, by following markets, analysing risk & Pnl, and utilizing existing risk framework, including VAR, Stress, Limits and other available metrics
• Develop a sound understanding of CVA/FVA and the desk’s market risk profile
• Initiate & perform deep dive analysis on complex risks, that can be presented to peers and senior management
• Knowledge of fixed income securities, derivatives, and loans

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

In the previous role, I was responsible for insight and recommendations to Senior Credit Risk Manager in order to support in the creation of risk strategies to contain the cost of risk and achieve P&L/impairment targets.

Please consider my experience and qualifications for this position:

• Highly organized, detail-oriented, and energetic
• Good data handling and quantitative skills
• Experience in process & project management preferred
• Strong statistical skill with experience in use of analytics to manage credit portfolios
• Good knowledge of consumer credit products and risk management processes
• Preferably with experience in managing secured products/ portfolios in a consumer credit setting with good understanding of the regulatory environment in Singapore
• Familiar with use of scorecards and performance of portfolio stress testing
• Good inter-personal, communication & writing skills

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

In the previous role, I was responsible for insight and recommendations to Senior Retail Credit Risk Manager in order to support in the creation of risk strategies to contain the cost of risk and achieve P&L/impairment targets.

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

• Interacting with external clients in discussions about proposed derivative structures for IM management and optimization
• Active involvement in the implementation of Phase 4 and 5 of NCDM
• Quantitative background in mathematics, engineering, or operational research with strong programming skills
• Experience working in a similar Risk-aligned function
• Experienced in use of analytics to manage portfolio
• Knowledge in programming suites such as SAS, Python or R preferred
• Good appreciation of financial market trends
• Good understanding of key control processes and able to identify internal process gaps to achieve timely resolutions