Credit Analyst Infrastructure

Role: Credit Analyst Infrastructure / Project Finance

Location: Mumbai

Job Role:

• Preparation of detailed Credit Appraisal Notes (CRANs) for Infrastructure & Project Finance proposals (Large Corporates).
• Financial analysis, project viability assessment, sensitivity analysis, and cash flow modelling for infra projects.
• Evaluate project risks including construction risk, regulatory risk, revenue risk, and sponsor strength.
• Discussion with Business Teams on structuring, terms & conditions, and risk mitigants.
• Interaction with clients for information gathering, clarification of financials, and project-related data.
• Ongoing monitoring of sanctioned accounts as per stipulated terms and covenants.
• Preparation of Monthly / Quarterly Monitoring Reports for the portfolio.
• Identification and escalation of early warning signals with recommended action plans.
• Conduct site visits and submit detailed inspection reports.
• Manage and address escalations related to credit risk assessments.

Job Requirements:

• Prior experience in Credit Underwriting for Large Corporates, preferably in Infrastructure / Project Finance.
• Strong understanding of project finance structures (SPVs, cash flow waterfalls, DSCR, escrow mechanisms, etc.).
• Working knowledge of Excel with ability to build and review financial models.
• Exposure to Infra sectors such as Roads, Power, Renewable Energy, Ports, Airports, etc. preferred.
• Qualification: CA / MBA (Finance) / CFA.
• Strong analytical, communication, and presentation skills.