Lead Risk Specialist​/Analyst

** Job Description Summary*
* 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.

** Job Description*
* ** Key Responsibilities*
* ** Healthcare Credit Underwriting*
* + 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

** Transaction Structuring & Deal Support*
* + 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

** Portfolio & Post-Close Risk Management*
* + 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

** Governance, Policy & Collaboration*
* + 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

** Required Qualifications*
* + 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

** Preferred Qualifications*
* + 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

We will not sponsor individuals for employment visas, now or in the future, for this job opening.

For U.S. based positions only, the pay range for this position is $-$ Annual. It is not typical for an individual to be hired at or near the top of the pay range and compensation decisions are dependent on the facts and circumstances of each case. The specific compensation offered to a candidate may be influenced by a variety of factors including skills, qualifications, experience and location.

In addition, this position may also be eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). GE Health Care offers a competitive benefits package, including not but limited to medical, dental, vision, paid time off, a 401(k) plan with employee and company contribution opportunities, life, disability, and accident insurance, and tuition reimbursement.

** Additional Information*
* GE Health Care offers a great work environment, professional development, challenging careers, and competitive compensation. GE Health Care is an Equal Opportunity Employer…