Lead Risk Specialist, Analyst

📋 Description

• Independently assess and underwrite lease and loan transactions for healthcare clients, including hospitals, health systems, physician groups, outpatient centers, and various provider organizations.

• Analyze financial statements, cash flows, payer mix, reimbursement trends, debt commitments, and credit history.

• Evaluate industry-specific risk factors such as dependency on reimbursements, regulatory exposure, patient volume trends, and fluctuations in operating margins.

• Review guarantors, ownership structures, and the strength of management.

• Draft clear and well-supported credit memoranda that include risk ratings and recommendations.

• Structure healthcare finance transactions to reduce risk through pricing, tenor, amortization, collateral, and guarantees.

• Assess the types of equipment and their usage along with any associated residual or usage risks.

• Collaborate with Sales to align customer solutions with sound risk principles.

• Work alongside Legal to ensure enforceable security interests, UCC filings, and adherence to credit policy.

• Oversee the underwriting workflow from credit approval through to deal closure.

• Provide ongoing credit oversight for a designated healthcare portfolio.

• Conduct quarterly, annual, and MAC reviews to monitor financial performance, compliance with covenants, and early warning indicators.

• Monitor changes in reimbursement models, payer concentration, or financial conditions that may affect credit quality.

• Suggest risk mitigation strategies, restructures, amendments, or credit escalations as necessary.

• Ensure that underwriting and portfolio management activities conform to internal credit policies, regulatory requirements, and audit standards.

• Maintain a strong awareness of the healthcare regulatory and reimbursement landscapes and their effects on credit risk.

• Contribute to improvements in healthcare underwriting standards, risk frameworks, and portfolio monitoring practices.

• Act as a subject matter expert in healthcare credit and mentor junior analysts on complex transactions.

⛳️ Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field (or a high school diploma/GED with 10+ years of relevant experience).

• Over 6 years of progressive experience in credit analysis or underwriting, preferably in healthcare finance, commercial lending, or equipment leasing.

• Demonstrated ability to work collaboratively across Sales, Legal, Capital Markets, Asset Management, and Operations.

• Capability to independently manage complex healthcare credits while exercising sound risk judgment.

• Strong skills in analyzing financial statements and evaluating cash flow.

• Experience in underwriting lease and loan structures, including collateralized transactions.

• Excellent written and verbal communication skills.

🏝️ Benefits

• Medical

• Dental

• Vision

• Paid time off

• A 401(k) plan with opportunities for employee and company contributions

• Life insurance

• Disability insurance

• Accident insurance

• Tuition reimbursement