Lead Risk Specialist, Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Independently evaluate lease and loan transactions for healthcare clients, including hospitals, health systems, physician practices, outpatient facilities, and other provider organizations.

• Analyze financial statements, cash flow, payer mix, reimbursement trends, debt obligations, and credit history.

• Examine industry-specific risk factors such as reimbursement dependence, regulatory exposure, patient volume trends, and operating margin volatility.

• Assess guarantors, ownership structures, and management capabilities.

• Draft clear and well-supported credit memoranda complete with risk ratings and recommendations.

• Structure healthcare financing transactions to minimize risk through pricing, tenor, amortization, collateral, and guarantees.

• Evaluate various types of equipment and their usage, along with associated residual or usage risks.

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

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

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

• Provide ongoing credit oversight for a designated healthcare portfolio.

• Conduct quarterly, annual, and MAC reviews, tracking financial performance, covenant compliance, and early warning indicators.

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

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

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

• Maintain a keen awareness of healthcare regulatory and reimbursement landscapes and their implications for credit risk.

• Contribute to the advancement of healthcare underwriting standards, risk frameworks, and portfolio monitoring methodologies.

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

⛳️ Requirements

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

• A minimum of 6 years of progressive experience in credit analysis or underwriting, ideally within healthcare finance, commercial lending, or equipment leasing.

• Demonstrated ability to collaborate effectively across Sales, Legal, Capital Markets, Asset Management, and Operations.

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

• Strong skills in financial statement analysis and cash flow evaluation.

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

• Excellent written and verbal communication abilities.

🏝️ Benefits

• Medical insurance

• Dental insurance

• Vision insurance

• Paid time off

• A 401(k) plan with both employee and company contribution options

• Life insurance

• Disability insurance

• Accident insurance

• Tuition reimbursement