Lead - Credit Analyst - Project Finance

Credit Manager

evaluating, structuring, and managing customized credit proposals

Key Responsibilities

• Conduct detailed credit appraisal and due diligence for fund-based (OD, CC, TL, LRD, EPC, etc.) and non-fund-based limits (LC, BG, etc.).
• Structure credit proposals aligned with client business requirements and cash-flow patterns.
• Prepare Credit Approval Notes, Information Memorandums, and presentations for internal management and Risk Committee approvals.
• Perform in-depth financial, peer, and industry analysis, evaluate risk rating, and identify key mitigants.
• Liaise with internal stakeholders – Business, Credit Risk, Legal, CAD, Trade Finance, and Treasury – to ensure end-to-end execution.
• Ensure Post-Disbursal Documentation (PDD) and compliance requirements are met within timelines.
• Track portfolio health through regular reviews, site visits, and early warning signal identification.
• Engage with clients for renewals, documentation, and addressing compliance observations.
• Support in executing structured and syndication deals, including down-selling and secondary transactions.
• Maintain strong governance standards and adhere to internal policies and credit risk framework
  

Ideal Candidate Profile

• 10-12 years of experience in Corporate Credit / Structured Lending / Mid-Corporate Banking.
• Strong analytical ability to assess company financials, business models, and cash-flow patterns.
• Hands-on experience in deal structuring, financial modeling, and credit memo preparation.
• Exposure to products like LRD, EPC finance, trade products, and syndication deals preferred.
• Working knowledge of credit rating methodologies, risk scoring, and regulatory compliance.
• Excellent communication and coordination skills with multiple internal and external stakeholders.
• Qualification: CA / MBA (Finance) / CFA / equivalent preferred.