Lead Risk Specialist/Analyst

Overview

A leading organization in the Business Services sector is seeking a Lead Risk Specialist/Analyst to provide governance, compliance, and operational risk management guidance. This role involves partnering with leadership, compliance teams, and cross-functional stakeholders to translate complex risk issues into actionable recommendations. The position supports responsible execution, improved decision-making, and sustainable growth within a Business Services environment.

Location: Remote (US-based candidates only, no visa sponsorship available)

Compensation: $107,200 – $160,800 annually

Responsibilities

• Independently underwrite lease and loan transactions for healthcare customers
• 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, and patient volume trends
• Evaluate guarantors, ownership structures, and management strength
• Prepare clear, well-supported credit memoranda including risk ratings and recommendations
• Structure healthcare finance transactions to mitigate risk through pricing and collateral
• Provide ongoing credit oversight for an assigned healthcare portfolio
• Ensure underwriting and portfolio management comply with internal credit policies and regulatory requirements

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field, or High School diploma/GED with 10+ years of relevant experience
• 6+ years of progressive experience in credit analysis or underwriting, preferably in healthcare finance, commercial lending, or equipment leasing
• Proven ability to collaborate effectively with Sales, Legal, Capital Markets, Asset Management, and Operations teams
• Ability to independently manage complex healthcare credits and exercise sound risk judgment
• Strong skills in financial statement analysis and cash flow evaluation
• Experience underwriting lease and loan structures, including collateralized transactions
• Strong written and verbal communication skills

Preferred Skills and Experience

• Proficiency with financial analysis tools such as Excel
• Familiarity with risk assessment software
• Knowledge of healthcare reimbursement models including Medicare, Medicaid, and commercial payers
• Understanding of medical equipment leasing
• Experience with SQL databases for financial data management and analysis
• Familiarity with financial modeling software (e.g., SAS, MATLAB) used in credit risk evaluation
• Experience with healthcare-specific analytics platforms (e.g., Health Catalyst, Tableau) for financial performance and reimbursement trend analysis
• Knowledge of risk management software (e.g., FICO, RiskWatch) to support risk assessment processes

Benefits

• Medical, dental, and vision insurance
• Paid time off
• 401(k) plan with employee and company contributions
• Life, disability, and accident insurance
• Tuition reimbursement opportunities

The employer is an equal opportunity organization and encourages applications from candidates who may not meet every qualification but bring valuable experience to the team.