Commercial Credit Senior Associate (Healthcare)

Location: Radnor, Pennsylvania, United States of America

Salary: $113,300–$188,800 per year

Company

M&T Bank provides commercial banking and credit services, including underwriting and portfolio management for commercial clients.

What you will do

• Underwrite new commercial credit requests and material modifications from initial deal screening through approval and the life of the loan.
• Monitor commercial loan portfolios through annual reviews, interim updates, covenant monitoring, problem-loan management, and early-warning indicators.
• Analyze financial statements, tax returns, due diligence reports, industry research, market trends, and peer data to assess credit quality and risk.
• Prepare cash-flow analyses, collateral schedules, covenant sensitivity calculations, guarantor analyses, and financial models.
• Recommend risk ratings, transaction structures, terms, conditions, controls, collateral, and guarantors.
• Partner with relationship managers, lead transaction execution teams, participate in client calls and credit committees, and support accurate credit-policy and regulatory compliance.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least five years of relevant commercial credit or financial analysis experience; an alternative combination requires at least nine years of higher education and work experience, including five relevant years.
• Strong analytical skills with proficiency in financial modeling, credit metrics, financial ratios, and trend analysis.
• Emerging proficiency in legal documentation, structural analysis, and independently structuring transactions.
• Excellent written and verbal communication, critical-thinking, problem-solving, organizational, and time-management skills.
• Ability to work independently and collaboratively, lead transaction execution with analysts, and build customer relationships.
• Proficiency in Microsoft Office and compliance with commercial credit, risk, regulatory, and internal-control standards.

Nice to have

• Experience with Capital IQ, FactSet, Bloomberg, or nCino.

Culture & Benefits

• Full-time employment with market-informed compensation.
• Work includes customer interaction and collaboration with relationship managers and internal credit-approval personnel.
• Opportunities to train and support junior and newly hired analysts.
• Responsibilities align with the bank’s risk appetite, regulatory standards, internal controls, and commitment to belonging.