Credit Underwriter Cover Letter

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

In the previous role, I was responsible for support for loan closing activities and clients while protecting the Bank from fraud, misrepresentation, and default.

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

• Utilization of underwriting systems in accordance with underwriting standards
• Highly motivated team player and result driven
• Willingness to learn about new products / product enhancement and implement new business strategies
• Experience with (alternative) financing structures such as (reverse)factoring, Trade Finance structures is an asset
• Awareness of Trade Credit Underwriting principles
• Office management / organizational skills
• ABFA qualification to minimum foundation level
• CPCU and AFSB designation

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

In the previous role, I was responsible for high quality fundamental credit analysis on the Obligors to loan portfolio financing trades.

Please consider my experience and qualifications for this position:

• Strong interpersonal and communication skills - able to partner with internal groups and interface with external clients
• Negotiation experience is a significant benefit exposure to a consumer lending environment
• Accounting background is beneficial familiarity with PowerPoint, Access, Excel, and Visio
• Detailed knowledge of financial statement, balance sheet and cash flow analysis
• Working knowledge of GAAP and relevant lending regulations
• A demonstrable knowledge of a variety of commercial, real estate and consumer loan products with a track record of strong analytical problem-solving skills
• VA SARS prefered
• Proficient in English, additional languages are an asset

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

In my previous role, I was responsible for analysis on assigned risk analytics projects and evaluate performance of collections, fraud, and underwriting strategy performance.

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:

• Knowledge of consumer lending products, loan documentation and/or credit policy or limited underwriting experience
• Very good command of English, German and a third European language
• Strong financial business acumen and adequate knowledge of relevant geopolitical landscape
• Attention to detail and a meticulous eye for identifying inconsistencies or inaccuracies in data entry or data outputs
• Displays a resilient and adaptable style, track record of remaining calm in demanding circumstances, adjusting comfortably to changing conditions and priorities
• Flexible in terms of working hours and preparedness to travel
• Proficient in reviewing income and tax returns
• Great attention to detail, organizational, and follow-up skills

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

Previously, I was responsible for support to members of the underwriting team in the areas of risk assessment, analysis, policy endorsements, compliance and policy tracking.

Please consider my experience and qualifications for this position:

• Knowledge of automated processing and underwriting systems
• Possess basic critical thinking skills
• Extensive accounting & cash flow knowledge, with demonstrated knowledge of intermediate accounting theory (including the difference between GAAP and income-tax based statements, cash and accrual accounting, consolidation and elimination principals, and the effect each type of accounting has on the underwriting process)
• Comprehensive working knowledge of rules, regulations and documentation
• Strong critical review skills focused on errors and incorrect conclusions
• Experience underwriting in the Illinois area
• Know how to read an Experian Search
• Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills - demonstrates a solid grasp of accounting and corporate finance

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

In the previous role, I was responsible for credit risk coaching and advice to sales & service employees to increase awareness of risk, policy, and knowledge of structuring transactions.

Please consider my qualifications and experience:

• Sound knowledge, interest and understanding of economic and political landscape
• Team player, strong communication and negotiation skills, proactive mind-set
• Interested to work in an international, multicultural and result-oriented environment
• High flexibility to cope with business challenges
• Contributes to business-related projects
• Prepares and provides trainings and client presentations at workshops, client meetings and industry conferences
• Clear, concise written and verbal communicator with good negotiation skills
• Good understanding of finance industry legislation including Data Protection Act, Consumer Credit Act and Anti-Money Laundering