Lead Risk Specialist/Analyst

GE HealthCare

4d•Onsite

About The Position

The Lead Risk Specialist/Analyst is responsible for independently underwriting and managing credit risk for lease and loan transactions supporting healthcare providers and healthcare-related organizations. This role focuses on evaluating financial performance, reimbursement risk, operating scale, and industry dynamics while ensuring transactions align with the company’s risk appetite. The role partners closely with Sales, Legal, Capital Markets, Asset Management, and Operations and provides ongoing post-close credit oversight within a healthcare finance environment.

Requirements

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

Nice To Haves

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

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