Investment banks up and down New York's Wall Street and beyond are clamouring to interview an unheralded undergraduate finance student because he submitted a job application that included what its recipient said "might be the best cover letter I've even seen".

The businessinsider.com website obtained a copy of the student's letter, which includes a searingly blunt assessment of his own suitability for a summer internship.The UK Daily Mail newspaper has identified the student as 22-year-old Matthew Ross, an undergraduate at San Diego State University.

Unapologetically honest: Matthew Ross. Credit:UK Daily Mail

"I won't waste your time inflating my credentials, throwing around exaggerated job titles, or feeding you a line of crap about how my past experiences and skill set align perfectly for an investment banking partnership," Ross wrote.

"The truth is, I have no unbelievably special skills or genius eccentricities but I do have a near perfect GPA (grade point average) and will work hard for you."