Retail Credit Cover Letter

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

Previously, I was responsible for coaching and development to other Credit Risk Audit staff, particularly in the areas of US Loan Review Requirements.

Please consider my experience and qualifications for this position:

• Ant, Maven, RMI
• Web/App Servers Apache httpd, Weblogic, Apache Tomcat
• OS Linux, Solaris, Windows and Unix Shell scripting
• JMX, Ant Maven
• Cross asset fixed income knowledge
• Exposure to Fixed Income business
• Experience in a large department or group strongly preferred
• Requires experience with either financial services products or customer service industry experience

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

In my previous role, I was responsible for formal performance management and coaching with team members to develop skills and confidence and understanding of the loan support, loan origination, and internal audit requirements.

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:

• Call Center leadership preferred
• Proficiency with computer functions with MS office suite strongly preferred
• Provides superior customer service while building professional rapport with clients
• Engages in appropriate credit training, personnel development and coaching exercises as designated by management for both their own development and their peers development as part of the department’s coaching culture
• Implement and develop Automated Test Scripts for both Web and Java based Application
• Design and Develop Test scripts on Test Complete
• Work closely with Developers, SMEs and business users to understand the inner workings of a product
• Comfortable working with SQL(MS SQL Server Preferable)

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

Previously, I was responsible for formal performance management and coaching with team members to develop skills and confidence and understanding of the loan administration and internal audit requirements.

Please consider my experience and qualifications for this position:

• Will require some weekend and evening hours on occasion
• Conducts analyses, monitors metrics, and provides information to Senior Management and the Board of Directors to properly manage the Commercial Portfolio of the Company, and the Commercial Allowance
• Provides information to both internal and external auditors, and external regulators, to ensure their accurate understanding and analysis of the commercial portfolio
• Reviews, refines and develops acquisition strategies and statistical models
• Perform periodic monitoring and analysis of loan portfolio performance
• Prepare account monitoring reports
• Support new business and product launch
• Participate in testing of system change or enhancement

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

Previously, I was responsible for regular, rigorous follow-up on the progress of the action plans developed following the work of Internal Audit and regulatory authorities, and ensure the quality of documentation.

Please consider my qualifications and experience:

• Facilitate meetings with stakeholders and take meeting minutes
• Draft regulatory reports
• Respond to frontline enquiries
• Other administrative matters as requested
• Involve in credit related cross team projects, including but not limited to project budgeting and planning, end-to end project execution, regularly milestones checking, conduct final delivery and measurement of success, and maintaining project documentations
• Involve credit system changes and enhancements, including system logic changes, trouble shooting, documentations and related internal reports
• Perform credit bureau Governance and Control
• Proactively identify process improvement opportunity and drive for changes

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

Previously, I was responsible for training and support continued knowledge of governing laws within the United States relating to perfection of HCA security interest.

Please consider my qualifications and experience:

• Self-motivated with an aptitude for problem solving
• Prior experience of SAS or SQL for modelling would be a bonus though not necessary
• Strong understanding of retail loan policy and procedures
• Substantial working knowledge of the retail loan system (ACAPS)
• Mentors and supervises retail credit risk analysts, provides leadership direction and answering questions as needed
• Performs a leadership role in managing the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios
• Quantifies and analyzes risk exposure characteristics for retail credit portfolios
• Researches, evaluates, develops, tests and applies quantitative models and methodologies for analyzing risk exposures and collection strategies