Student Finance Cover Letter

Competition is tough, so how do you make yourself stand out from the rest of the job-seeking crowd? With an amazing cover letter, of course!

Don't get us wrong, having a great CV is incredibly important in landing your dream job. But what if employers don't even make to that stage?

Unfortunately, many companies confess that if they're presented with a sub-par covering letter, they won't even look at the candidate's CV and their application will be tossed in the bin.

Your covering letter is your chance to briefly show just how much you want and are suited to the role and company. As your CV is just a list of your experience and achievements, it's covering letters that really ‘wow' employers and show them a bit of your personality.

The beauty of this simple page of A4 is that it acts as a chance to sell yourself in a few sentences and give off a good first impression before you've even had a chance to meet face-to-face.

This article is just one part of our student jobs section. Don't forget to check out all the tips on how to write a CV as well as guidance on how to nail a job interview.

Nailing the basics of a cover letter

Before you even begin writing the cover letter of your dreams, you should make sure you have a clear idea of what you need to do…

  1. Do your research!

    Just as you would do if you were preparing for a job interview, you should be thoroughly researching the company and the role as much as possible before you even think about starting your cover letter.

    Once you're armed with this knowledge, you'll be amazed how much easier it is to get started. As you read, take some notes of the most important bits of info that you come across and how they relate to the job description.

  2. Keep it short and sweet

    People often make the mistake of using a cover letter as a space to regurgitate and elaborate on what's already in their CV. This shouldn't be the case!

    Whilst your cover letter can refer to some of the info in your CV, keep it short, sharp and convincing so that the reader is pulled in and wants to read your CV to learn more.

    Always stick to one page, formed of about 3-4 paragraphs max (we'll cover the structure in more detail below).

  3. Be formal but friendly

    If an employer has asked for a covering letter, they're looking for candidate to demonstrate they can communicate and present themselves professionally on paper.

    Therefore, keep it relatively formal but don't be afraid to let your personality shine through a little bit too (being too formal can really stifle this). The job description is normally a good indication of the sort of tone you should be using.

    Note that a covering letter to a startup company is likely to go down a bit better if it's more relaxed and even a bit fun to catch their attention, whereas a law firm would be looking for something a little more formal.

    The key is to know your audience! And no matter where you're applying, make sure you triple check for spelling and grammatical errors.

  4. Try to personalise

    Credit: John Gargham – Flickr

    Try as hard as you possibly can to find a name to address your cover letter to. Most job postings will tell you who to contact, but if not it's definitely worth doing some research as this can make a big difference.

    If you're unsure, you can always check LinkedIn, or even just call up and ask! Someone should be able to give you a name, and it'll show that you've gone the extra mile.

    Make sure you remember to include your own address as well as the company's on the letter as well (see template below for correct layout).

    Bonus tip: If you're addressing your letter to a named person, sign off with ‘Yours Sincerely'; if the name of the addressee is unknown, go for ‘Yours Faithfully'

How to structure your letter

Now to get into the nitty-gritty! The easiest way to approach a covering letter is to consider it as four separate sections.


Keep the introduction brief – just one or two sentences. Mention the job that you're applying for, as well as the fact that you were excited to come across the vacancy and have the opportunity to apply.

Then mention who you are (as in ‘a recent graduate' not ‘my name is…') and point out that you've attached your CV, if requested.

Try and catch their eye with the very first line by injecting some enthusiasm and personality into the first line; the more original you sound, the more likely they are to keep reading.

Example of how to start a cover letter:

I'm reaching out with great enthusiasm in response to your vacancy for Junior Marketer at Butler's Bakes. As a recent Marketing graduate with a serious passion for cake (both making and eating!), I was extremely excited to come across this vacancy.

The ‘I love your company' bit

Now it's time to say why you're interested in them specifically. This is where you prove that you've not just copied one of the 8,327,507 cover letter examples available online, but have actually taken the time to think about why you want to work for this company in particular.

Show them that you aren't just desperate to find a job, any job, as long as it pays, because you're sick of being a poor student.

Again, make sure you do some serious research at this stage. If you have any links to the company, or have acquired any lesser-known nuggets of information about press coverage they've had,this can only impress.

Try to mention something that shows you have an awareness and understanding of the company outside of stating the obvious.

For example, if you're applying for a graduate job at an accountancy firm and you noticed that they're mentioned as one of the top graduate employers in the UK, get massaging their ego!

Try something like “As one of the UK's top graduate employers, I admire the company's efforts in creating opportunities for young talent in what is an increasingly competitive graduate job market”.

The ‘this is why you're gonna love me' bit

Now it's time to talk about what you can offer them. This isn't an opportunity to show off whatever you feel like telling them about, but a chance to bring up some qualities you know they are looking for and that you can prove you have.

Highlight your key skills – but only the ones that are actually relevant. The best way to tackle this bit is to write down a list of three key skills mentioned in the job description, and then have a look over your CV to see what you have to offer that demonstrates you have those skills.

If you're really struggling, check out the list of skills that employers ask for the most. Even if they haven't mentioned it in the job ad, these skills are important in most positions!

Remember at this point that no matter how impressive it is that you spent six weeks doing Camp America, unless you can show a direct relation between that and something that they're looking for in this position, don't mention it.

The sign off

As always, keep it short and sweet!

Wrap things up by saying something on the modest side, along the lines of “I'd love to have the opportunity to become part of the team at Butler's Bakes, and I'm confident that given the chance to meet with you, you'd deem me a great fit”.

And after all of this you're ready for the big finale: the ultimate ‘Yours Sincerely/Faithfully' (no lots of love).

Leave 5 spaces for your signature and then type your full name underneath.

Then all that's left to do is proofread and convince any friends or family to check it before sending off!

Free covering letter template

We realise that you might want to put in as little work as possible, and even this guide might be a bit too much.

That's exactly why we've have taken the time to make you a covering letter template that you can download and use; how kind are we?

Download your template here »

Five expert covering letter tips

If you're really wanting to push the boat out at this stage, there are a few tricks you can pull that will really impress…

  1. Remember covering letters need to be tailored to the job you are applying for. When writing your covering letter, always have a copy of the job specification next to you, and keep checking back to make sure everything you're writing is relevant.
  2. Keep it short, and resist the temptation to write your life story. A recent study of US employers found that 46% preferred half a page of writing. You are not writing an essay!
  3. If the job spec suggests emailing your cover letter, put the text in the body of the email rather than attaching as a separate file. Attaching a separate file is just an additional step for the employer to go through before getting the juicy details – make it as easy as possible for them. Don't forget that including addresses and letter layouts don't apply for email format.
  4. Make sure you spell check and then read it through aloud to yourself a few times before sending. You'll be surprised at how much easier it is to spot clumsy sentences if you say it out loud rather than read silently. With hundreds of letters to go through, binning those with mistakes is a simple way to decide who's in and who's out.
  5. Avoid cliches like the plague (see what we did there?). Use your own words and your passion and excitement will shine through. And if you're using a big word when a small one will do, go for the smaller one – they're just as powerful if used correctly!

As always, if you have any questions or think we've missed anything, give us a shout in the comments below.

You might have heard that investment banks and other big financial services companies simply won’t have time to read your cover letter. That might be true, but an experienced recruiter will be able to detect a bad covering letter at a glance. So for large companies, while it might not matter so much if you craft the perfect cover letter, a noticeably poor cover letter will certainly scupper your chances.

A cover letter for a banking, finance or accountancy firm is a professional document, which should, in essence, be a sales pitch to accompany your CV. It’s your chance to sell yourself as a strong candidate for the role. That means recruiters don’t want to hear your sob story; they are much more interested in: who you are, what you’ve done and whether or not you have the skills for the job. It’s as simple as that.

Keep it short…

Since most employers in the banking, finance and accountancy sector will (most likely) only glance at your cover letter, you need to keep it short. By short, we mean one side of A4 maximum and certainly no more than 500 words.

Most banking and finance companies are pretty strait-laced, so you’ll need to make sure your cover letter is written in a professional and formal manner. At the same time, try to stem the impulse to clog your cover letter with financial jargon and business speak, although you might want to consider using a few carefully chosen buzzwords.

Tailor it to the company…

An example of a bad cover letter is one where the applicant has made no attempt to tailor it to the company they are writing to. It’s the job application equivalent of saying to the employer you simply CBA. Believe us! Recruiters will be on the lookout for any formulaic applications where it’s obvious that the applicant has sent the same letter to multiple companies. More often than not, these letters will go straight in the bin.

So to fast-track your application to the “we’d be mad not to interview them” pile, you need to make sure you tailor your cover letter to each company and each job you apply for. Research the job to find out exactly what it will involve. Scour the company literature to suss out what makes them different from their competitors and to get a sense of their company culture.

Don’t write anything until you have properly read the job advert and researched the company. You should be able to identify the key things (keywords) the company is looking for and what they value in their employees.

How to structure your cover letter…

For the majority of banking and finance employers, communication skills will be in their shortlist of desired attributes. They’ll want someone who can communicate coherently and write in a logical fashion. Send them a rambling, unstructured covering letter and they might doubt your ability to communicate. So pay close attention to the structure of your cover letter. We’ve put together a suggestion for how you might want to structure your cover letter below:

Addressing your cover letter

As it is a formal letter, your address and the name and address of recipient should be at the top of the letter. If you are emailing the cover letter, put the cover letter in the body of the email and omit the addresses. You should also attempt to find out the name of the person who will be receiving the cover letter, so you can address it to them directly.

Paragraph 1

A cover letter is also an introductory letter. The first paragraph is an ideal place to tell the recruiter who you are and why you are writing. Mention the role you are applying to and how you heard about the job (particularly if you were referred by a mutual acquaintance). Give a unique reason why you would be great for the role.

Paragraph 2

It certainly doesn’t hurt to do a subtle bit of wooing in your cover letter, so here you might want to state why you want to work for the company in particular. Try to come up with a reason that sounds genuine and unique. A little bit of enthusiasm and interest in the role certainly wouldn’t go amiss either.

Paragraph 3

Employers don’t care that you can stack 20 cups in ten seconds or that you can mould your belly button fluff into a precise replica of the Olympic torch. Ultimately, they want to know that you have the skills to do the job. Consequently, in this paragraph, you might want to showcase the relevant skills you have for the job.

Isolate the key attributes they are looking for by scouring the job advert or reading up on company literature. Then show them that you have their desired attributes by drawing upon examples of previous work experience, your degree or any relevant extracurricular work.

Paragraph 4

The final (very brief) paragraph can be used to tie up loose ends or cover any practical issues such as availability for interview.

You should end the letter “Yours sincerely” if it’s being sent to a named person; if you haven’t managed to find out a name then use: “Yours faithfully” followed by your name.

Proofread your cover letter…

One sure-fire way of getting your cover letter unceremoniously dumped straight into the rubbish bin is to send in a letter riddled with spelling mistakes and grammatical errors. Double check, nay triple check your cover letter. Get your mum, friends, granny, dog to read over the letter, looking for any typos or schoolboy errors.

Pay attention to the formatting as well. Make sure it is clearly laid out and use a sensible font (if they’re likely to read it onscreen, use a font designed to be read on a screen, such as Verdana or Helvetica).

So there you have it: a basic guide to knocking the socks off banking, finance and accountancy employers with your well-crafted cover letters. There’s only one thing left for you to do now: crack on with them!

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