Credit Risk Management Cover Letter

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

In the previous role, I was responsible for financial and credit input support on financial statement packages of lower to medium risk and complexity where more interpretation and decision-making would be required.

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

• Able to guide subordinates and build-up effective teamwork to achieve goals
• Proficiency in both written English and Chinese
• In-depth knowledge in credit and credit operations, statutory rules and regulations
• Conversant with the Bank’s Credit Policy, Credit Control Policy
• Strong credit risk assessment skills, business and financial analytical skills and SME industry knowledge
• Able to deliver under pressure and tight deadlines
• Experience of programme-based lending an added advantage
• Overseas working experience an added advantage

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

In the previous role, I was responsible for all stakeholders with the transparency around current levels and changes in risk exposures, collaborate and support joint initiatives.

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 combination of analytical and communication skills
• Proven experience in credit control functions, such as facility documentation checking, credit operations including security control
• Result oriented skill to monitor exceptions and control the output up to the service standard
• Knowledge of Banking and Commercial law, knowledge of PRC Law is an absolute advantage
• Possess necessary skill to solve the day to day operation problems for staff and our service partners
• Knowledge of Asset Management, Financial Technology and FIG industries preferred
• Monitor Clients' Trading Limits & Counterparties Limits and prepare credit proposals for increase in trading limits when appropriate
• Participate in launching & implementing new FX/Futures business initiatives

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

Previously, I was responsible for constructive advice and guidance to relationship managers on credit transactions within CIBC’s credit policies and guidelines and within CIBC’s risk appetite.

Please consider my experience and qualifications for this position:

• Detailed knowledge of DB Credit Risk or other DB Risk systems beneficial
• Business level Italian would be advantageous
• Experience in Risk Management at leading financial institutions
• Experience of managing Risk change projects with multiple stakeholders
• Good understanding of core credit risk functions
• Good level of experience relating to the interpretation and application of new regulations
• Proficient computer skills, especially Microsoft Office applications and Archer/CIT
• European language preferred

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

In my previous role, I was responsible for expertise and governance on the Basel 2.5 rule to Risk, Finance and Front Office business-aligned teams;.

Please consider my experience and qualifications for this position:

• Experience in handling large volume of data, building and implementing various statistical models
• Proficient in data manipulation and analysis with technical expertise regarding data models, database design development, data mining and segmentation techniques
• A strong leader and team player with good interpersonal skills to partner with business units, credit functional units and other support units in results delivery
• Good understanding of general securities products
• Strong business acumen, with solid analytical and problem solving skills
• Excellent stakeholder management and negotiation skills, able to drive cross-functional collaboration
• Self-starter and a good team player, with capacity to drive an innovative culture
• Assessment and judgment of credit matters, strong product knowledge and the flexibility to analyze varied business requests

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

In my previous role, I was responsible for industry oversight to assigned agriculture sub-sectors, and work with internal and external partners to ensure lending guidelines are fresh, reasonable, risk and market appropriate.

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:

• Participate in on-going IT systems enhancement for FX/Futures business
• Prepare RCSA & RRSA for timely submission in eORM system
• Prepare Quarterly and Annual credit review on clients for timely submission to ensure credit quality of trading clients
• Ensure compliance to audit/compliance issues through maintenance, update & revision of policies and procedures in the Futures & FX credit risk policy and procedural manuals
• Possess good knowledge of risk management framework
• Familiarity with leveraged margin trading, margin call procedures, electronic trading systems and risk management controls is essential
• Strong business and interpersonal communication, writing and analytical skills
• Strong PC skills, especially in excel