Role Objective:

The analyst/underwriter will be responsible for independently evaluating Healthcare and Education sector borrowers, with particular emphasis on greenfield, brownfield and expansion project finance proposals.

The role involves detailed sector assessment, financial modelling, project viability analysis, credit risk evaluation, due diligence, transaction structuring and preparation of comprehensive proposals for consideration by the Credit Committee.

Required Experience:

· 5–10 years of relevant experience in Corporate Credit, Project Finance with a Minimum 2-3 years of direct exposure to Healthcare and/or Education sector proposals in a scheduled bank or leading NBFC.

· Strong understanding of Healthcare sector (multispeciality hospitals, diagnostic chains, medical colleges, healthcare infrastructure, occupancy trends, ARPOB, payor mix, regulatory aspects).

· Strong understanding of Education sector (K-12 schools, higher education, universities, technical institutions, student enrolment trends, fee structures, regulatory environment).

· Ability to assess sector-specific risks, scalability, and revenue sustainability and Experience in appraising medium- to large-ticket term loans, structured finance or acquisition finance proposals.

Key Responsibilities:

· Independently evaluate project finance and corporate credit proposals across Healthcare and Education sectors.

· Assess greenfield, brownfield, acquisition, expansion and working-capital requirements.

· Appraise hospitals, diagnostics, medical colleges, schools, universities and education service providers.

· Identify business, financial, operational, regulatory and governance risks.

· Coordinate with various consultants or sector experts, conduct management interactions and site visits.

· Prepare comprehensive credit appraisal notes and present recommendations to Credit, Risk, Legal, Compliance and senior management.

· Ensure compliance with internal credit policies, delegated authorities and regulatory guidelines.

The candidate should have:

• Strong understanding of project finance concepts and cash-flow-based lending.

· Expertise in financial analysis, modelling and project viability assessment.

· Ability to evaluate project costs, funding structures and implementation timelines.

• Strong understanding of DSCR, IRR, NPV, break-even and sensitivity analysis.
• Understanding of loan structuring, securities, escrow mechanisms and covenants.
• Strong credit-writing and proposal-drafting capabilities.
• Advanced proficiency in Microsoft Excel, PowerPoint and Word.
• Ability to interpret technical, legal, valuation and due-diligence reports.
• Familiarity with external credit rating methodologies and banking regulations.