Banks often require written proof of employment. This employment verification letter is formatted for bank review.
Before approving a mortgage, auto loan, or credit line, a lender confirms that you are employed and that the job is stable enough to keep repaying. A verification of employment (VOE) letter answers that directly: it states that you currently work somewhere, your job title, how long you have been there, and often your salary. Where a proof of income letter proves the amount, a VOE proves the employment relationship behind it.
Lenders often confirm the details by calling the employer directly or through a service like The Work Number, so the letter should be recent, on company letterhead, and signed by someone authorized — HR, a manager, or the business owner.
If the bank sent its own form, ask HR to fill in that form instead. Otherwise, replace every part in brackets.
[Company letterhead]
[Date]
To [bank or lender name],
We confirm that [employee's full name] has been employed by [company name] since [start date]. [Employee's name] holds a [permanent / fixed-term], [full-time / part-time] position as [job title].
The gross annual salary is [amount]. [Only if the lender asks: This figure does not include overtime or bonuses.]
For verification, contact [name, job title] at [phone number] or [email address].
Sincerely,
[Signature]
[Name and job title]
Lenders look for two things above all: whether the job is permanent and the gross pay. Make sure both are stated plainly.
An employment verification letter for a bank usually includes:
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VerificationLetters