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
GE Healthcare is a multinational company that manufactures wide range of medical equipment. It was founded in 1987, and is headquartered in Buc, Ile-de-France, FRA, with a workforce of 10001+ employees. Its website is https://www.gehealthcare.fr.