Credit Analyst · cover letter
Dear [Hiring Manager],
In my current role I underwrite commercial credit requests from 250,000 to 8 million dollars, and over the past two years my approved book has held a delinquency rate of 1.1 percent against a department average of 2.4. That balance of growth and discipline is what I would bring to the Credit Analyst role at [Company].
I spread financials, build cash-flow and debt-service coverage analyses, and write the credit memos that go to committee. My recommendations are not just a score: when a profitable borrower wanted an expansion line, I structured a covenant package around their seasonal cash flow that approved the deal while protecting the bank, and it has performed clean through two cycles. I also catch the deals that look fine on the surface, like a request where add-backs were hiding a real coverage shortfall I flagged before it funded.
What I value most is defensible judgment. I tie every recommendation to coverage, collateral, and the borrower's actual ability to repay, and I document my reasoning so an examiner or a credit officer can follow it. I am comfortable saying no to a relationship manager and explaining exactly why, and just as comfortable finding a structure that makes a marginal deal work.
What draws me to [Company] is your reputation for thoughtful lending rather than volume at any cost. I would welcome the chance to discuss how I can support a healthy, growing portfolio. Thank you for your time and consideration.
Sincerely,
[Your Name]
[Phone] | [Email]