Commercial Credit Lead, Healthcare

Location: Radnor, Pennsylvania, United States of America

Salary: $136,000–$226,600 annual (USD)

Company

Commercial banking services focused on credit delivery and risk management for commercial clients across industry verticals.

What you will do

• Underwrite new commercial healthcare credit requests, material modifications, renewals, and restructurings from deal screening through approval and throughout the life of the loan.
• Monitor existing loan portfolios through annual reviews, covenant monitoring, interim updates, problem-loan management, early-warning indicators, and other credit surveillance activities.
• Analyze financial statements, tax returns, due diligence reports, appraisals, credit bureau data, industry research, and peer data to assess credit quality and risk ratings.
• Structure loan requests by evaluating base-case, company-case, and downside scenarios and recommending terms, conditions, collateral, and guarantors.
• Lead transaction execution teams and collaborate with relationship managers, risk officers, sales leadership, credit committees, and clients.
• Present credit analyses, address committee questions, identify issues requiring escalation, and maintain compliance with credit policies, regulatory standards, and internal controls.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related field and 7 years of experience in complex credit underwriting, specialty underwriting, or complex financial analysis; alternatively, 11 years of combined higher education and work experience including 7 relevant years.
• Advanced financial modeling, financial statement analysis, ratio interpretation, trend analysis, cash flow analysis, collateral schedules, covenant sensitivity calculations, and guarantor statement analysis.
• Ability to structure transactions independently and negotiate legal documentation.
• Excellent written and verbal communication, critical thinking, problem-solving, organization, accuracy, and time management skills.
• Customer-focused approach with strong interpersonal and relationship-building skills; ability to work independently and collaboratively.
• Proficiency in Microsoft Office and ability to lead transaction teams consisting of Associates and/or Analysts.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.
• Experience training junior or newly hired Analysts and Associates.

Culture & Benefits

• Work supports commercial credit delivery across the bank’s footprint and industry verticals.
• Opportunity to work on large, complex, and specialized commercial loans.
• Role includes customer interaction, independent execution, and collaboration with internal stakeholders.
• Commitment to belonging, risk management, regulatory standards, internal controls, and audit-point remediation.