Application Letter

(I am applying HSBC Summer Associate Program 2010. I intend to explore in the fields of Risk Analysis Unit.)

February 7, 2010

Risk Analysis Unit,

HSBC Summer Associate Program,

Singapore

Dear Sir/Madam,

I am writing to introduce myself and express my interest in joining you as Summer Associate and explore career options in the area of Risk Analysis Unit. I came to know about this program through NUS USP Internship announcements and the various activities of the program appealed to me immensely.

As a statistics major undergraduate at the National University of Singapore, I have acquired basic knowledge of statistics modeling with regards to risk analysis. My specialization in business and finance statistics helps me to gain insight into financial sector and apply theoretical statistics knowledge into real financial world. In addition, during my exchange program in University of Toronto, I had an opportunity to study more in depth in the field of actuarial science, mainly focusing on insurance risk models and risk analysis through use of mathematics and statistics. All these trainings equipped me with sufficient knowledge of risk analysis.

In order to better understand and apply the knowledge I have acquired at school, I did an internship in the Standard Chartered Bank in China from June to July in 2009. During this one-month internship, with the help of other employees, I did some basic risk analysis. And I gained a deep insight into the real world risk analysis in foreign banks in China. Moreover, through this experience, I was able to hone my interpersonal and communication skills through interaction with employees at different levels.

As a student in the University Scholar Program (USP), I was able to acquire knowledge from other various disciplines, such as social science, life science. After two years of training on critical and interdisciplinary thinking, I can view issues in different perspectives and raise valuable questions. Furthermore, USP offers students with various global activities, aiming to train students with critical and creative thinking skills and cross-cultural perspectives. For example, I participated in 2010 George Washington University- USP Dialogue Series. From the program, I strengthened my critical thinking and communication skills.

The HSBC Summer Associate Program will offer me a great opportunity to participate various activities to learn more about HSBC. At the same time, I am happy to contribute my academic knowledge and personal skills to this program. I do hope my willingness to contribute and my sufficient academic knowledge will make you look favorably at my application. I look forward to hearing from you.

Yours sincerely,

Ji Lu

#B2-25, Block xx, 37 Prince George’s Park

Singapore 118430

Ph:+658438xxxx

Email: szzxxxxx@gmail.com