123 Elm Street ● Kenosha, WI 53144 ● 262.555.5555 ● email@example.com
Highly analytical credit officer with proven skills in finance and banking. Demonstrated acumen in financial
analysis, client relationship management, sales cultivation, and commercial lending.
HIGHLIGHTS OF QUALIFICATIONS
Drive sales by remaining abreast of business lending topics, following activities of business organizations, and
understanding reasons/needs for borrowing. Scrutinize business strategy, management evaluations, analysis of
business financial statements, and loan compositions to maximize sales opportunities.
Mitigate risk through detailed credit analysis, credit ratings investigation, repayment capacity discernment, and
Investigate current trends, economic state, and industry market status.
Eligible for the CPA exam with 150 credit hours.
ABC COMMERCIAL FINANCE, Kenosha, WI 20xx-Present
Commercial Finance Credit Officer: Control the credit approval process, determine client needs, evaluate repayment
feasibility, and mitigate risk. Perform analysis and establish a credit level based on the client’s commercial operations,
ability to maintain payments, and other key factors such as industry status, management, and the economy. Determine
credit and terms in alignment with lending and organizational procedures. Cultivate relationships through sales calls to
prospective and existing customers to enhance profitability and productivity in lending/non-lending associations.
Negotiate settlements with delinquent accounts.
Oversaw development of credit approval reports and modifications (CARs, CAR Mods). Researched and
prepared annual exposure reviews (AERs) and scheduled exposure reports (SERs).
Served as a key member of the commercial client team. Grew and maintained critical client relationships.
Ensured 100% customer satisfaction levels to allow for future business and expansion of the relationship.
Handled credit requests from $100,000 to $500,000; performed applicant interviews in evaluation of
financial data, financial requirements, and risk analysis.
Kept abreast of economic conditions, industry trends, and credit activities. Identified possible issues and
maximized potential opportunities.
BCD DEVELOPMENT PROGRAM, Kenosha, WI 20xx-20xx
Credit Officer: Participated in a six month education program focused on credit analysis, small business, and
commercial lending through classroom and on-the-job training.
Skilled in the effective utilization of business financial statements to analyze the asset conversion cycle.
Established borrowing requirements through expert investigation of the motives behind loan requests.
Practiced in the recognition of business growth periods, the influence of risk, and the systematic method of
analysis on business and management in key areas.
Verified business operations through expert analysis of financial ratios and measurements.
Provided suitable loan structures based on requirements.
Microsoft Excel ● Microsoft Word ● Microsoft Outlook ● Microsoft PowerPoint ● Microsoft Access ●
Financial/Application Software ● Moody’s Financial Analyst ● Omega Business Development Strategy
Bachelor of Science - Finance, University of XYZ, 20xx
Creating a Compelling Cover Letter
A powerfully written cover letter is necessary to land most interviews and ensure job search success. When an
advertised position creates a pile of 100+ resumes, it becomes the responsibility of the hiring personnel to shortlist the
applications. Resumes without cover letters are usually the first to go, followed by the ones with poorly written cover
letters. Avoid this fate by following these effective strategies:
Address your cover letter appropriately:
Be sure that you get the name of the hiring manager before sending your resume, and address the letter to that
individual. The proper greeting will be either “Dear Mr. (Smith),” or “Dear Ms. (Smith).” Avoid using Miss or Mrs., and
do not address your letter to “Dear Sirs,” as it is considered inappropriate. If you are unsure of your contact’s gender,
address them by their first and last name, as in “Dear Pat Smith,” to avoid an embarrassing mistake. If you don’t know
the name of the hiring manager, simply use the greeting “Dear Hiring Manager,”– it’s clear, to the point, and gender
Get to the point in your opening paragraph:
One of the most common interviewing questions employers ask is “Why should I hire you among other candidates?”
Provide an answer to that question right off the bat in your opening paragraph. This is a very important section
because it is the first thing the employer will read. It must be powerful and make an immediate impact. Be sure sell
yourself and your unique abilities. Do not use a generic opening paragraph that can apply to any Tom, Dick or Harry.
Every line should sell you, so use aggressive language here and throughout the rest of your cover letter. For example,
instead of writing “My background is in finance management, making me well-suited for your advertised Corporate
Finance Director position.” you can write “A background in finance management and a proven record of developing
effective strategies that drive revenue, growth and shareholder value make me a strong candidate for your advertised
Corporate Finance Director position.”
Show your interest and sell your accomplishments in the body of the letter:
In this section, you need to show your interest in the job and the company. Research is a key ingredient to a
successful job search. The more you are able to demonstrate your interest and knowledge about a company, the
better your chances are to secure an interview. Get to know the company’s mission and new corporate initiatives, and
tell them how you can help them meet their objectives or resolve their problems. Praise the company for public
recognitions or recent accomplishments. The employer will surely take notice of your active interest.
Use “I” and “my” sparingly. Try not to use these words more than six times in your cover letter. You need to focus on
what you will bring to the company and how you will help them improve their profitability. Too much use of the word “I”
will also make your letter look elementary and poorly written.
For executive-level candidates and professionals with substantial achievements, a bullet point format is often the most
effective and efficient way to highlight accomplishments. If you fall into this category, be sure to keep the bullet point
statements unique and fresh. Do not copy and paste the exact same phrases from the resume as it will make you look
lazy. All sentences and achievements transferred from the resume should be rephrased.
Close your letter with a strong paragraph:
In the closing paragraph, you need to address several issues. At the very least, you need to ask for the interview and
provide contact information. This is also the ideal place to mention your salary requirements (if the employer insists on
it), or your desire to relocate.
To demonstrate your drive and interest, mention that you will call within a week to follow up. This is a great way to
ensure the resume was successfully received, and it creates an opportunity to establish a dialog. However, do not
mention this in your cover letter if you do not intend to follow up.
In summation, an aggressive and dynamic cover letter will help you stand out among the competition. Remember that
the goal is to market yourself – not to compose a dull biography.