[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.ResponsibilitiesIndependently underwrite lease and loan transactions for healthcare customers, including hospitals, health systems, physician groups, outpatient centers, and other provider organizationsAnalyze financial statements, cash flow, payer mix, reimbursement trends, debt obligations, and credit historyAssess industry-specific risk factors such as reimbursement dependence, regulatory exposure, patient volume trends, and operating margin volatilityEvaluate guarantors, ownership structures, and management strengthPrepare clear, well-supported credit memoranda with risk ratings and recommendationsStructure healthcare finance transactions to mitigate risk through pricing, tenor, amortization, collateral, and guaranteesEvaluate equipment types and usage (e.g., diagnostic imaging, surgical, IT, or specialty medical equipment) and associated residual or usage riskPartner with Sales to balance customer solutions with prudent risk principlesCollaborate with Legal to ensure enforceable security interests, UCC filings, and compliance with credit policyManage underwriting workflow through credit approval and deal closureProvide ongoing credit oversight for an assigned healthcare portfolioConduct quarterly, annual, and MAC reviews, monitoring financial performance, covenant compliance, and early warning indicatorsTrack changes in reimbursement models, payer concentration, or financial condition that could impact credit qualityRecommend risk mitigation actions, restructures, amendments, or credit escalations as neededEnsure underwriting and portfolio management activities comply with internal credit policies, regulatory requirements, and audit standardsMaintain strong awareness of healthcare regulatory and reimbursement environments and their impact on credit riskContribute to enhancements in healthcare underwriting standards, risk frameworks, and portfolio monitoring practicesServe as a healthcare credit subject matter expert and mentor junior analysts on complex transactionsSkillsBachelor'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 leasingProven ability to collaborate across Sales, Legal, Capital Markets, Asset Management, and OperationsAbility to independently manage complex healthcare credits and exercise sound risk judgmentStrong financial statement analysis and cash flow evaluation skillsExperience underwriting lease and loan structures, including collateralized transactionsStrong written and verbal communication skillsDirect experience underwriting hospitals, health systems, or physician practice groupsFamiliarity with healthcare reimbursement models (Medicare, Medicaid, commercial payers)Knowledge of medical equipment leasing and healthcare asset riskBenefitsMedicalDentalVisionPaid time offA 401(k) plan with employee and company contribution opportunitiesLifeDisabilityAccident insuranceTuition reimbursementCompany OverviewGE 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.