[Remote] Lead Risk Specialist/Analyst

Note: The job is a remote job and is open to candidates in USA. GE HealthCare is a leading company in healthcare finance, and they are seeking a Lead Risk Specialist/Analyst to manage credit risk for lease and loan transactions. The role involves underwriting, financial analysis, and collaboration with various teams to ensure effective risk oversight for healthcare providers.

Responsibilities

• Independently underwrite lease and loan transactions for healthcare customers, including hospitals, health systems, physician groups, outpatient centers, and other provider organizations
• Analyze financial statements, cash flow, payer mix, reimbursement trends, debt obligations, and credit history
• Assess industry-specific risk factors such as reimbursement dependence, regulatory exposure, patient volume trends, and operating margin volatility
• Evaluate guarantors, ownership structures, and management strength
• Prepare clear, well-supported credit memoranda with risk ratings and recommendations
• Structure healthcare finance transactions to mitigate risk through pricing, tenor, amortization, collateral, and guarantees
• Evaluate equipment types and usage (e.g., diagnostic imaging, surgical, IT, or specialty medical equipment) and associated residual or usage risk
• Partner with Sales to balance customer solutions with prudent risk principles
• Collaborate with Legal to ensure enforceable security interests, UCC filings, and compliance with credit policy
• Manage underwriting workflow through credit approval and deal closure
• Provide ongoing credit oversight for an assigned healthcare portfolio
• Conduct quarterly, annual, and MAC reviews, monitoring financial performance, covenant compliance, and early warning indicators
• Track changes in reimbursement models, payer concentration, or financial condition that could impact credit quality
• Recommend risk mitigation actions, restructures, amendments, or credit escalations as needed
• Ensure underwriting and portfolio management activities comply with internal credit policies, regulatory requirements, and audit standards
• Maintain strong awareness of healthcare regulatory and reimbursement environments and their impact on credit risk
• Contribute to enhancements in healthcare underwriting standards, risk frameworks, and portfolio monitoring practices
• Serve as a healthcare credit subject matter expert and mentor junior analysts on complex transactions

Skills

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field (or HS diploma/GED with 10+ years of relevant experience)
• 6+ years of progressive experience in credit analysis or underwriting, preferably within healthcare finance, commercial lending, or equipment leasing
• Proven ability to collaborate across Sales, Legal, Capital Markets, Asset Management, and Operations
• Ability to independently manage complex healthcare credits and exercise sound risk judgment
• Strong financial statement analysis and cash flow evaluation skills
• Experience underwriting lease and loan structures, including collateralized transactions
• Strong written and verbal communication skills
• Direct experience underwriting hospitals, health systems, or physician practice groups
• Familiarity with healthcare reimbursement models (Medicare, Medicaid, commercial payers)
• Knowledge of medical equipment leasing and healthcare asset risk

Benefits

• Medical
• Dental
• Vision
• Paid time off
• A 401(k) plan with employee and company contribution opportunities
• Life
• Disability
• Accident insurance
• Tuition reimbursement

Company Overview