Profile: Credit Analyst

Experience

- Minimum 2+ years of hands-on experience in Credit Analysis, Project Finance, Infrastructure Lending, or Financial Advisory/Modeling

Job Overview

We are seeking a highly analytical and forward-thinking Credit Analyst specializing in Project Finance to evaluate non-recourse and limited-recourse financing proposals for large-scale infrastructure, energy, industrial, and real estate projects. The role involves building complex cash flow models, assessing project viability, conducting risk sensitivity analyses, and drafting credit approval notes. The ideal candidate combines strong accounting and financial fundamentals with advanced Excel modeling skills, structured credit-memo writing in Word, and proficiency with up-to-date AI/Generative AI tools for research and documentation.

Roles

- Build, audit, and maintain detailed multi-year financial models in Excel tailored to project finance, incorporating debt sizing, waterfall structures, DSCR/LLCR, IRR, sensitivity/scenario analyses, and drawdowns
- Review project contracts (PPAs, EPC contracts, O&M; agreements, concession agreements) to identify financial, operational,



and off-taker risks
- Evaluate sponsor credibility, equity commitment, debt capacity, and project cash-flow predictability
- Draft comprehensive, executive-level credit memos, appraisal notes, and term sheets
- Present credit proposals to the Risk Committee with clear risk mitigation strategies and covenant recommendations
- Track project implementation milestones, cost overruns, construction delays, and disbursement conditions
- Monitor ongoing financial covenants, debt service performance, and annual credit reviews for existing assets
- Use Generative AI/LLM tools (Microsoft Copilot, ChatGPT, specialized financial AI) to synthesize legal documents, regulatory filings, and market reports
- Leverage AI to accelerate secondary research, draft preliminary risk summaries, and analyze unstructured industry data while maintaining confidentiality and compliance

Qualification:
- CA Inter (ICAI or equivalent) / CMA, OR MBA in Finance / PGDM (Finance) from a recognized institute
- CFA or FRM certification is a plus

📌 Credit Analyst-Project Finance-Surat-4.8 LPA
🏢 K Konsultancy
📍 Surat