Credit Review_Project Finance (Sr Associate/ Delivery Lead/ Manager)

• Location: Gurgaon (work from office)
• Work hours: 10am to 7pm IST/ 1pm to 10pm
• Department: Lending Services
• Experience Level : 4-12 years
• 0-2 months' notice candidates preferred due to business need

1. Portfolio Monitoring Credit Review:

• Perform detailed annual and quarterly credit reviews for allocated projects, assessing performance against original underwriting assumptions and covenants.
• Analyze financial, operational, and technical performance of the projects, including key project milestones (for construction phase) and actual vs. budget comparisons (for operational phase).
• Monitor key financial metrics such as DSCR, LLCR, PLCR, IRR, and coverage ratios, flagging early warning signals.

Construction Phase Monitoring:

• Review EPC progress, cost reports, drawdowns, variation orders, contingency usage, and timelines.
• Analyze project risk registers and mitigation strategies, ensuring alignment with lender expectations.
• Track completion tests, project milestones, and compliance with debt service commencement requirements.

Operational Phase Monitoring:

• Assess plant availability, capacity utilization, OM performance, and major maintenance plans.
• Review revenue streams (e.g., PPA tariffs, offtake arrangements), operating costs, and adherence to financial covenants.
• Identify sector-specific risks (e.g., curtailment risk in wind/solar, toll collection efficiency in roads) and analyze their potential credit impact.

Stakeholder Communication:

• Liaise with internal credit teams, relationship managers, and if required, borrowers or third-party consultants to gather key information.
• Prepare and present clear, concise review memos, highlighting key credit concerns and recommendations.

Regulatory and Compliance Support:

• Ensure compliance with internal risk rating models and regulatory requirements relevant to project finance exposures.
• Support internal audits and regulatory reviews by providing necessary documentation and analysis.

• 4+ years of experience in project finance, credit analysis, or portfolio monitoring, preferably across infrastructure and energy sectors.
• Strong understanding of project finance structures, financial modelling, and risk assessment.
• Familiarity with sector-specific KPIs, regulatory frameworks, and performance benchmarks.
• Proficiency in financial analysis tools (Excel, Factset, CapitalIQ, etc.); exposure to project finance models is a plus.
• Excellent written and verbal communication skills for preparing high-quality review notes and engaging with stakeholders.
• Ability to manage multiple priorities and meet tight deadlines under minimal supervision.

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