Dear Hiring Team at Intesa Sanpaolo,

I am writing to express my interest in the ISPIRE Risk Analyst position within your esteemed organization. With a recently completed MSc in Finance from Dublin City University (DCU) and a solid foundation in risk management, financial analysis, and quantitative methods, I am eager to contribute effectively to your risk management team.

Throughout my academic journey, I have developed strong analytical and numerical skills, and I have gained a thorough understanding of financial instruments and markets. My coursework included modules such as Financial Statement Analysis, Corporate Finance, and Financial Markets and Derivatives, which have equipped me with the necessary knowledge to monitor, analyze, and report on various risk exposures, such as liquidity risk, market risk, and FX risk.

While I am currently enhancing my programming skills through courses, I have worked with R for my academic assignments. Additionally, my proficiency in MS Excel, including the use of macros, and other MS applications such as Word and PowerPoint, allows me to perform data analysis and present findings effectively.

Key responsibilities in this role, such as maintaining and developing risk management systems and models, monitoring bond portfolio compliance, performing daily derivatives valuations, and conducting operational risk activities, align well with my academic and practical experiences. During my internship as a Virtual Customer Support Executive at Amazon India, I demonstrated strong attention to detail, effective communication skills, and the ability to work under pressure to meet tight deadlines.

I am particularly enthusiastic about the opportunity to work within a team of professionals and contribute to the continuous improvement of risk management processes at Intesa Sanpaolo. Your commitment to supporting customers and promoting growth in various markets resonates with my career aspirations, and I am keen to be part of such a dynamic and forward-thinking organization.

Thank you for considering my application. I look forward to the opportunity to discuss how my academic background, risk management knowledge, and enthusiasm for quantitative analysis can contribute to the success of your team.


Customize the above Cover letter according to below job description and do not mention which i do not have....Also add that i used R for my academic assignments and Stata for my disserstaion which focused on M&A....As well as make it ATS friendly that it can pass through. Make the below skills look natural and mention where it came it from....make the cover letter direct, using simple words but attractive to recruiter as well as ATS....

Credit Analyst- LeasePlan 

About the job
Location: Leopardstown, Dublin 18


Job Title: Credit Analyst


Job Purpose:


Credit Risk Analyst is responsible for analysing credit data and financial statements to evaluate the risks associated with the counterparty’s (client and prospects) creditworthiness. You will use a variety of analytical techniques to evaluate the risks associated with lending to consumers and corporate clients in order to evaluate business risks. You are also responsible for preparing reports consolidating information for use in decision-making and making credit decisions within the defined levels of authority, including when needed to Management Team locally.
They are the direct contact with relationship managers (sales team), which is also a part of the 1st line of defence, to complete the first rating checks and explain the different credit decisions so that the relationship managers are better prepared for challenging conversations with clients, if needed.
Being a part of the first line of defence implies that they are actively responsible for the risk assessment and credit decision of clients within the attributed delegation. 


Key collaboration partners:


Internal
•	Collaborates with LoD 2 Credit function and Risk and Compliance Manager at local level and central/regional LoD 1 teams. 
•	Collaborates with Local Compliance Officer.
•	Collaborates with Group partners including Société Générale Group RISQ experts and supervisors.


External
In the area of credit risks for the external auditor and regulatory authorities (where applicable). 


Key Accountabilities:


The main responsibility of the Credit Analyst is the execution of the necessary risk assessment appropriate to each customer and credit application type.
This includes evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, including the calculation of financial ratios, interpreting results from decision-making and the preparation of a report to register the required audit trail.


For credit origination, you will perform the credit analysis, which includes KYC/CDD (Know Your Customer) elements and the update of rating or scoring and issue a credit opinion. You are also responsible for registering new customers in a risk system following the registration done by sales, if needed.
If the credit application is within their derogation rights, as defined in the delegation letter, you will make the credit decision and proceed to credit authorization. If not, they will be responsible for preparing the credit file to be shared with the second line of defence for validation.
For credit review, you are responsible for regular rating / scoring update.


Knowledge, Skills & Experience:


Required expertise:
•	Relevant University degree (Bachelor/Masters level) e.g. in Finance, Accounting, Business Administration. Candidates with higher education on Credit risks topics, combined with adequate knowledge of the financial sector will also be considered.
•	Minimum 1/2 year experience as Credit Analyst.
•	Knowledge about Credit risks including a very good understanding of current requirements in Credit origination.
•	Strong financial analysis and accounting capabilities.


Soft skills:
•	Regularly communicate information that is timely, relevant, and tailored to each audience. This includes being transparent about both positive and negative developments.
•	Ability to manage diverse work and overlapping priorities.
•	An open mind-set and willingness to learn.
•	Excellent analytical skills, critical thinking, and the ability to identify problems and propose solutions.
•	Process and detail orientation.
•	Team player.
•	Delivering results.


Key Performance Indicators / Measures:
•	Pending Credit Approvals
•	Rating from Quality Assessment 
•	Result of Controls performed on Credit files.

Skills
•	Analytical Skills
•	Communication
•	Computer Literacy
•	Financial Services
•	High Level Of Accuracy
•	Interpersonal Skills
•	Credit Reports
•	Customer Due Diligence (CDD)
•	Interpersonal Communication
•	Quick Turnaround