Senior Credit Underwriting Analyst

McKesson Corporation; Irving (TX); On-site; USD 84,700 - 141,100; Full time

Job summary

McKesson Corporation is seeking an Underwriter to manage a complex portfolio, conduct advanced financial analyses, and make strategic credit decisions. The role involves collaboration with various teams to influence credit solutions while balancing risk and growth objectives. A Bachelor's degree in Finance and over five years of underwriting experience is required.

The candidate will lead analysis on financial performance and ensure adherence to policy and standards. This position offers a competitive pay range of $84,700 - $141,100, along with a comprehensive benefits package.

Qualifications

• 5+ years of experience in underwriting or corporate finance.
• Strong understanding of financial statement analysis.

Responsibilities

• Own end-to-end underwriting for a complex portfolio.
• Manage high-value customer relationships and credit decisions.
• Perform comprehensive financial and credit analysis.
• Proactively monitor portfolio performance and implement mitigation strategies.
• Develop clear underwriting recommendations supported by data.

Skills

Digital Transformation mindset

Diversity and Inclusion

Strategic and Analytical Thinking

Adaptability and Growth Mindset

Clear and Impactful Communication

Education

Bachelor’s degree in Finance, Accounting, or related field

Job description

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.

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 Job Qualifications:

Education/Training

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

Business Experience

• 5+ years of experience in underwriting or corporate finance
• Strong understanding of financial statement analysis

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 (Office)

• Traditional office environment

Physical Requirements

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

We are proud to offer a competitive compensation package at McKesson as part of our Total Rewards. This is determined by several factors, including performance, experience and skills, equity, regular job market evaluations, and geographical markets. The pay range shown below is aligned with McKesson’s pay philosophy, and pay will always be compliant with any applicable regulations. In addition to base pay, other compensation, such as an annual bonus or long‑term incentive opportunities may be offered. For more information regarding benefits at McKesson, please click here.

Our Base Pay Range for this position

$84,700 - $141,100

McKesson is an Equal Opportunity Employer and provides equal employment opportunities to applicants and employees, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, age, genetic information, or any other legally protected category. For additional information on McKesson's full Equal Employment Opportunity policies, visit our Equal Employment Opportunity page.

McKesson is committed to being an Equal Employment Opportunity Employer and offers opportunities to all job seekers including job seekers with disabilities. If you need a reasonable accommodation to assist with your job search or application for employment, please contact us by sending an email to (United States) [e-mail] or (Canada) [e-mail]. Resumes or CVs submitted to this email box will not be accepted.