Lead - Credit Analyst - Project Finance

We are seeking an experienced Credit Manager to join our Corporate & Emerging Business Lending team as Lead Credit Approver. The role involves evaluating, structuring, and managing customized credit proposals for mid-corporate and emerging corporate clients, ensuring thorough risk analysis, compliance, and smooth execution from origination to post-disbursal.

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

Skills Required

Regulatory Compliance, Due Diligence, Credit Appraisal, Financial Modeling