Commercial Credit Senior Analyst (Healthcare)

Location: Radnor, Pennsylvania, United States

Salary: $89,000–$148,300 annual (USD)

Company

M&T Bank provides commercial banking and credit services to business clients across multiple industries.

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and throughout the loan lifecycle.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, early-warning indicators, and problem-loan management.
• Review financial statements, tax returns, due diligence reports, credit bureau data, appraisals, industry research, and peer information.
• Prepare credit analyses, risk ratings, cash flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses.
• Partner with relationship managers, attend client and prospect calls, and present credit analysis and recommendations during credit discussions and committee presentations.
• Ensure compliance with commercial credit policies, risk standards, internal controls, audit requirements, and regulatory expectations.

Requirements

• Bachelor's degree in Accounting, Finance, Economics, or a related field, plus at least 2 years of experience in commercial credit, public accounting, financial statement analysis, or related financial analysis.
• Alternatively, 6 combined years of higher education and relevant work experience, including 2 years in a related financial analysis field.
• Strong analytical skills with proficiency in financial modeling and credit-metric analysis.
• Strong verbal and written communication, critical thinking, problem-solving, organization, and time-management skills.
• Ability to work independently and collaboratively, with strong customer-facing and interpersonal skills.
• Proficiency with Microsoft Office.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Work supports commercial clients throughout the full credit lifecycle and across the bank's industry verticals.
• Customer interaction and collaboration with relationship managers are part of the role.
• The position operates with limited supervision and includes responsibility for maintaining internal control standards.
• Compensation is market-informed and based on the candidate's knowledge, skills, and experience.