Senior Credit Analyst

About the role

The Senior Underwriting Analyst is responsible for independently managing a portfolio of complex customer relationships and delivering comprehensive, well-supported credit risk assessments. This role requires advanced financial analysis, a deep understanding of complex organizational structures, and the ability to evaluate risk across diverse healthcare segments. As a senior-level (P4) individual contributor, the role operates with a high degree of autonomy and is accountable for end-to-end credit decisioning. The Senior Credit Analyst is expected to move beyond process execution to develop complete, defensible recommendations supported by data and analysis. This role serves as a subject matter expert and plays a key part in driving underwriting quality, consistency, and process efficiency across the team.

Role summary

• Own end-to-end underwriting for a complex portfolio, independently evaluating credit risk, structuring limits and terms, and delivering well-supported decisions aligned to risk appetite and enterprise objectives
• Lead advanced financial and risk analysis, applying deep subject matter expertise to assess complex organizational structures, identify key risk drivers, and anticipate emerging trends across diverse customer segments
• Develop and influence credit decisions through executive-ready recommendations, translating complex analysis into clear, actionable insights while partnering cross-functionally to balance growth and risk
• Drive portfolio performance and underwriting excellence, proactively monitoring risk, resolving complex or high-impact scenarios, and leading enhancements to underwriting processes, consistency, and efficiency

General responsibilities

Portfolio Ownership & Decisioning

• Independently manage a portfolio of complex, high-value customer relationships, including multi-entity and non-standard structures
• Own end-to-end underwriting decisions, including credit limits, terms, and structuring, within established risk appetite
• Exercise sound judgment in ambiguous situations, ensuring decisions are well-supported and aligned to enterprise objectives

Advanced Financial & Risk Analysis

• Perform comprehensive financial and credit analysis, including liquidity, leverage, cash flow, and operating performance
• Evaluate complex ownership structures (e.g., PE-backed, parent/subsidiary) and assess risk across diverse healthcare segments
• Anticipate emerging risks by integrating financial performance, industry dynamics, and market trends into analysis

Risk Assessment, Monitoring & Mitigation

• Proactively monitor portfolio performance, identify risk trends, and implement appropriate mitigation strategies
• Lead resolution of complex or high-risk credit scenarios, including escalations and non-standard requests
• Ensure underwriting decisions are consistent with policy, regulatory expectations, and risk management standards

Recommendation Development & Executive Influence

• Develop clear, defensible underwriting recommendations supported by data, analysis, and business rationale
• Translate complex financial analysis into concise, executive-ready insights to support decision-making
• Influence outcomes through effective communication with senior leadership and cross-functional stakeholders

Cross-Functional Collaboration & Business Partnership

• Partner with Sales, Finance, AR, and external customers to gather insights and structure pragmatic credit solutions
• Balance risk and growth objectives by influencing deal structure, terms, and risk mitigation strategies
• Serve as a trusted advisor to stakeholders on credit risk and underwriting strategy

Subject Matter Expertise & Team Contribution

• Act as a subject matter expert in underwriting practices, credit policy, and assigned industry segments
• Provide guidance and informal mentorship to less experienced analysts; elevate overall team capability and consistency
• Identify and communicate portfolio-level risks, trends, and opportunities to leadership

Process Improvement & Strategic Impact

• Lead or significantly contribute to improvements in underwriting processes, tools, and decision frameworks
• Identify opportunities to enhance efficiency, automation, and standardization across workflows
• Support the evolution of credit policy, risk frameworks, and best practices through applied expertise

Minimum qualifications

Education/Training

• Bachelor's degree in Finance, Accounting, or related field

Business Experience

• 5+ years of experience in underwriting or corporate finance

Critical Skills

• Embrace Digital Transformation: Demonstrate a strong digital mindset by actively seeking and implementing technological solutions to enhance business processes and drive innovation within the team
• Diverse and Inclusive Collaboration: Foster a collaborative environment that values diversity and inclusion. Build and sustain positive relationships with stakeholders from varied backgrounds to drive professional growth and organizational success
• Strategic and Analytical Thinking: Exhibit strong business acumen by staying informed about industry trends and aligning projects with broader organizational goals. Use data-driven insights to make informed decisions and influence positive change
• Adaptability and Growth Mindset: Show adaptability in the face of change and a willingness to take on challenges. Continuously seek learning opportunities and demonstrate resilience to maintain high performance and support team dynamics
• Clear and Impactful Communication: Communicate complex information clearly and persuasively across all levels of the organization. Utilize storytelling to effectively convey ideas and drive key initiatives forward

Working conditions

Environment

• Traditional office environment

Physical Requirements

• Large percent of time performing computer-based work is required