Commercial Credit Senior Associate (Commercial Credit Engineering & Construction)

Location: Radnor, Pennsylvania, United States; hybrid schedule with four days per week in the office.

Salary: $113,300–$188,800 annual (USD).

Company

hirify.global provides commercial banking and credit services for business clients.

What you will do

• Underwrite new commercial credit requests and material modifications from deal screening through approval and throughout the life of each loan.
• Manage 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, appraisals, credit bureau data, industry research, and peer data.
• Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, guarantor analyses, and risk ratings.
• Recommend transaction structures, terms, conditions, controls, collateral, and guarantors based on base-case and downside scenarios.
• Partner with relationship managers, participate in client calls and credit committee discussions, and help lead transaction execution with commercial credit analysts.

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; alternatively, nine years of combined higher education and work experience including five relevant years.
• Strong analytical skills, including financial modeling, credit metrics, ratio analysis, and trend analysis.
• Emerging proficiency in interpreting and negotiating legal documentation, structural analysis, and independently structuring transactions.
• Excellent verbal and written communication, critical thinking, problem-solving, organization, and attention to detail.
• Ability to work independently and collaboratively in a customer-facing role.
• Proficiency in Microsoft Office.

Nice to have

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

Culture & Benefits

• Hybrid work arrangement with four office days per week.
• Work within commercial credit, risk, and regulatory control frameworks.
• Opportunity to contribute to analyst training and development.
• Market-informed annual compensation range of $113,300–$188,800 USD.