Lead Risk Specialist/Analyst

Overview

This role involves independently underwriting and managing credit risk for lease and loan transactions supporting healthcare providers and healthcare-related organizations. The focus is on evaluating financial performance, reimbursement risk, operating scale, and industry dynamics while ensuring transactions align with the organization's risk appetite. The position collaborates closely with Sales, Legal, Capital Markets, Asset Management, and Operations teams and provides ongoing post-close credit oversight within a healthcare finance environment.

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 material adverse change (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

Requirements

• 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 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

Compensation & Benefits

• Annual salary range: $107,200.00 - $160,800.00 (U.S. based positions only)
• Compensation decisions depend on skills, qualifications, experience, and location
• Eligibility for performance-based incentive compensation, including cash bonuses and/or long-term incentives
• Competitive benefits package including medical, dental, vision, paid time off, 401(k) plan with employee and company contributions, life, disability, and accident insurance, and tuition reimbursement

Additional Information

• No visa sponsorship available for this position
• Employment contingent upon successful completion of a drug screen (as applicable)
• Some customers may have COVID-19 vaccination mandates that could apply
• No relocation assistance provided
• Application deadline: May 08, 2026