Credit & Portfolio Risk Manager Cover Letter

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

In my previous role, I was responsible for senior credit risk management coverage of a portfolio of clients in the EMEA Financial Institutions space.

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:

• Sound knowledge of asset finance products, structures, pricing/time value of money and documentation
• Comprehensive knowledge and understanding of interpretation of financial statements for different types of legal entity, principles of lending and risk assessment
• Understand the P&L impact of quality underwriting decisions
• Good communication, negotiation and conflict resolution skills
• Previous experience and working knowledge of continuous improvement best practise
• Experience in managing the unsecured product/portfolio in a consumer credit setting, preferably with good understanding of the regulatory environment in Singapore (specifically requirements under MAS 635 and Regulations governing Credit Cards)
• Familiar with use of scorecards and performance of stress testing
• Knowledge of consumer credit cards and risk processes is preferred

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

In the previous role, I was responsible for a comprehensive view of Branch risks (including credit, market, strategic, reputation risk, etc.) - working closely with the regional/group Credit and Market risk teams and the line of business risk managers across relevant businesses.

Please consider my experience and qualifications for this position:

• Experience with and application of a governance and control framework in reporting execution and information delivery
• Able to communicate and influence Senior Executives
• Able to provide a strong point of view
• Prior experience working in Credit Card related roles
• Knowledge of Credit Risk Management Processes, Risk Appetite Setting, Strategy Change review and approval, Loss Forecasting
• Tableau / R / Python knowledge
• Knowledge of products such as Foreign Exchange, Securities Lending, MM Placements, and Investment Securities is preferred
• Basic knowledge of credit, accounting, credit policy and financial statement analysis

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

In my previous role, I was responsible for senior management and subsidiary Boards with an objective assessment of the credit risk of US operations.

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:

• Meticulous with strong analytical mind and problem-solving skills
• Team player with good interpersonal, communication & writing skills
• Seek to understand stakeholders’ point of view and find win-win solution
• Demonstrated Non QM credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures
• Strong quantitative capabilities and analytical skills, including an investigative mindset
• Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills
• We offer a significant level of responsibility and visibility to the business and senior management within CRM
• Independent agent to set consistent principles and disciplines for risk management

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

Previously, I was responsible for guidance and advice to the line of business on how to best achieve business objectives in a way that effectively manages credit risk within risk appetite and optimizes financial returns on the risk the business takes.

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:

• Strong Analytical and Problem-Solving skills as demonstrated by previous experience in developing creative solutions to business strategy, technological, and operational problems
• Strong project management skills, as demonstrated by a history of taking on increasing responsibility
• Extensive experience with SAS, Excel, SQL, R and other analytical/decisioning tools
• Hands-on experience working with transactional, credit bureau, and/or time series data in a consumer or commercial credit environment
• Proficiency in using Tableau, MS Word, EXCEL and PowerPoint
• Strong data visualization tool usage with Tableau, and SAS / SQL programming skills
• Knowledge & practical application of Machine Learning techniques
• Excellent communication skills, delivering information in a clear and concise manner

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

In my previous role, I was responsible for credit advice to 1st line management in support of the customer agenda, while providing a strong 2nd line challenge, without compromise to the Banks credit risk appetite and policies.

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

• Proficient with data extraction, manipulation and analysis
• Strong Excel skills with Tableau experience preferred
• Strong understanding of credit risk, credit scoring, scorecard development and monitoring
• Knowledge of the compliance and regulatory environment related to consumer credit
• Maintain poise and presence coupled with exceptional interpersonal skills to interact with Agent Banks, Private Equity firms and MS Business Unit
• Strong Quantitative, programming and data skills
• Lots of grit
• In-depth knowledge and experience in designing strategies for credit line management and their respective account management systems such as TRIAD