Morgan Chen
Senior Commercial Banking Director | Mid-Market Corporate Lending & Debt Structuring
Chinook Heritage Bank
Dear Hiring Committee,
I am writing to express my interest in the Banker position with Chinook Heritage Bank. With a background in mid-market corporate lending, structured debt facilities, and portfolio risk adjudication, I welcome the opportunity to support your institution's commercial lending operations and deliver tailored financing solutions to growing enterprises.
In my current role as Director, Commercial Banking at Foothills Merchant Bank, I manage a commercial lending portfolio exceeding 280 million CAD across energy transition, agri-business, and industrial logistics clients. My responsibilities center on deal origination, risk assessment, and covenant design for bilateral and syndicated credit facilities ranging from 5 million to 45 million CAD. By executing thorough annual credit reviews and risk-rating recalibrations, I have maintained zero non-performing loan impairments over a consecutive four-year cycle, while working alongside treasury and trade finance teams to increase recurring ancillary fee income by 22 percent.
Earlier in my tenure as Senior Commercial Account Manager at Foothills Merchant Bank and Commercial Banking Associate at Bow Valley Financial Trust, I structured working capital lines and term facilities for mid-market commercial clients with revenues between 15 million and 75 million CAD. My focus on balance-sheet analysis and credit stewardship enabled me to expand commercial deposit balances by 34 million CAD and reduce overdue reporting compliance exceptions across an assigned portfolio from 11 percent to under 2 percent.
I welcome the opportunity to discuss how my background in corporate debt structuring, cash-flow sensitivity modeling, and disciplined credit governance aligns with the goals of Chinook Heritage Bank. Thank you for your time and consideration.
Sincerely,
Morgan Chen