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

<p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;"><u>Job Title: Credit Review-</u></span><span style="font-size:11pt;font-family:Calibri, sans-serif;"><u>Project Finance (Sr Associate/ Delivery Lead/ Manager)</u></span></span></p><ul style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><li><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;">Location:</span></span><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;"> Gurgaon (work from office)</span></li><li><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;">Work hours: </span></span><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;">10am to 7pm IST/ 1pm to 10pm</span></li><li><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;">Department:</span></span><span style="font-size:11pt;font-family:Calibri, sans-serif;color:#000000;"> Lending Services</span></li><li><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Experience Level</span></span><span style="font-size:11pt;font-family:Calibri, sans-serif;">: 4-12 years</span></li><li class="MsoNormal">0-2 months' notice candidates preferred due to business need</li></ul><p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><span style="font-weight:bolder;"><u><span style="font-size:11pt;font-family:Calibri, sans-serif;">Job Purpose</span></u></span></p><p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our European based client ensuring we fulfill the applicable SLA’s.</span></p><p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><span style="font-weight:bolder;"><u><span style="font-size:11pt;font-family:Calibri, sans-serif;">Key Responsibilities</span></u></span><u></u></p><ol style="margin-top:0in;font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><li class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;margin-left:0in;line-height:normal;"><span style="font-weight:bolder;"><span style="font-family:Calibri, sans-serif;">Portfolio Monitoring & Credit Review:</span></span></li></ol><ul style="margin-top:0in;"><li class="MsoListParagraphCxSpMiddle" style="list-style-type:decimal;margin-bottom:0in;margin-left:0in;line-height:normal;"><span style="font-family:Calibri, sans-serif;">Perform detailed annual and quarterly credit reviews for allocated projects, assessing performance against original underwriting assumptions and covenants.</span></li><li class="MsoListParagraphCxSpMiddle" style="list-style-type:decimal;margin-bottom:0in;margin-left:0in;line-height:normal;"><span style="font-family:Calibri, sans-serif;">Analyze financial, operational, and technical performance of the projects, including key project milestones (for construction phase) and actual vs. budget comparisons (for operational phase).</span></li><li class="MsoListParagraphCxSpLast" style="list-style-type:decimal;margin-bottom:0in;margin-left:0in;line-height:normal;"><span style="font-family:Calibri, sans-serif;">Monitor key financial metrics such as DSCR, LLCR, PLCR, IRR, and coverage ratios, flagging early warning signals.</span></li></ul><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Construction Phase Monitoring:</span></span><ul><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Review EPC progress, cost reports, drawdowns, variation orders, contingency usage, and timelines.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Analyze project risk registers and mitigation strategies, ensuring alignment with lender expectations.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Track completion tests, project milestones, and compliance with debt service commencement requirements.</span></li></ul><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Operational Phase Monitoring:</span></span><ul><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Assess plant availability, capacity utilization, O&M performance, and major maintenance plans.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Review revenue streams (e.g., PPA tariffs, offtake arrangements), operating costs, and adherence to financial covenants.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Identify sector-specific risks (e.g., curtailment risk in wind/solar, toll collection efficiency in roads) and analyze their potential credit impact.</span></li></ul><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Stakeholder Communication:</span></span><ul><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Liaise with internal credit teams, relationship managers, and if required, borrowers or third-party consultants to gather key information.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Prepare and present clear, concise review memos, highlighting key credit concerns and recommendations.</span></li></ul><span style="font-weight:bolder;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Regulatory and Compliance Support:</span></span><ul><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Ensure compliance with internal risk rating models and regulatory requirements relevant to project finance exposures.</span></li><li class="MsoNormal" style="list-style-type:decimal;"><span style="font-size:11pt;font-family:Calibri, sans-serif;">Support internal audits and regulatory reviews by providing necessary documentation and analysis.</span></li></ul><p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><span style="font-weight:bolder;"><u><span style="font-size:11pt;font-family:Calibri, sans-serif;">Key Competencies</span></u></span><u></u></p><p class="MsoNormal" style="font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"></p><ul type="disc" style="margin-top:0in;font-family:Roboto, '-apple-system', BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;"><li><span style="font-size:11pt;font-family:Calibri, sans-serif;">4+ years of experience in project finance, credit analysis, or portfolio monitoring, preferably across infrastructure and energy sectors.</span></li><li><span style="font-size:11pt;font-family:Calibri, sans-serif;">Strong understanding of project finance structures, financial modelling, and risk assessment.</span></li><li><span style="font-size:11pt;font-family:Calibri, sans-serif;">Familiarity with sector-specific KPIs, regulatory frameworks, and performance benchmarks.</span></li><li><span style="font-size:11pt;font-family:Calibri, sans-serif;">Proficiency in financial analysis tools (Excel, Factset, CapitalIQ, etc.); exposure to project finance models is a plus.</span></li><li><span style="font-size:11pt;font-family:Calibri, sans-serif;">Excellent written and verbal communication skills for preparing high-quality review notes and engaging with stakeholders.</span></li><li style="margin-left:0in;"><span style="font-family:Calibri, sans-serif;">Ability to manage multiple priorities and meet tight deadlines under minimal supervision.</span></li></ul>