AVP, Credit Officer Project Finance

Position Overview

Reviews, underwrites , and processes new Project Finance transactions in Specialty Finance, as well as managing the existing portfolio. The position holder has at least 5 years of experience in project finance.

The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

• Participate in internal and external meetings with sponsors, financial institutions, advisors, and other stakeholders to support business development and transaction origination efforts.
• Evaluate new business opportunities in partnership with the Origination team, with a primary focus on Project Finance transactions within MHCA’s strategic sectors, including renewable energy, data centers, and other infrastructure-related investments.
• Prepare and present preliminary screening memoranda, including transaction overviews, key credit considerations, and initial risk assessments.
• Review and analyze project agreements, including power purchase agreements (PPAs), engineering, procurement and construction (EPC) contracts, leases, concessions, operations and maintenance (O&M) agreements, and other material project documents to identify legal, operational, technical, and counter party risks.
• Analyze, validate, and challenge complex project finance financial models, including key assumptions, sensitivities, downside cases, and stress-test scenarios to assess transaction viability and credit risk.
• Coordinate due diligence activities with sponsors, agent banks, technical consultants, legal counsel, insurance advisors, and other third-party professionals throughout the underwriting and documentation process.
• Prepare comprehensive credit underwriting memoranda, including transaction structure analysis, debt service and cash flow analysis, key due diligence findings, identification of risks and mitigants, and financial assessments of project sponsors, counter parties, and other key stakeholders.
• Present credit recommendations to senior management, including the SVP – Chief Credit Officer, Specialty Finance, EVP – Chief Credit Officer, and other approval authorities, and support approvals under local delegation or submission to the International Credit Division of MHC/Tokyo. Present transactions to local Credit Committee as required.
• Lead the documentation, closing, and funding process for approved transactions, including negotiation and finalization of key terms, coordination with internal stakeholders and external counsel, and verification that final transaction documentation conforms to approved credit terms and conditions.
• Monitor borrower and project performance following closing, including compliance with financial and reporting covenants, and proactively identify and elevate emerging risks, adverse developments, or performance issues to senior management.
• Prepare periodic credit reviews, risk rating assessments, and portfolio reporting to ensure accurate ongoing evaluation of transaction performance and credit quality.
• Track industry, market, regulatory, and economic trends across targeted sectors to support transaction underwriting, portfolio management, and origination efforts.
• Maintain accurate and comprehensive Salesforce records, pipeline information, transaction files, and supporting documentation to ensure data integrity and effective portfolio management.

• Develop and train junior credit analysts, e.g., as part of a deal team on new transaction underwriting.

• Credit assessment, structure, and transaction communication needs to be within company prepared guidelines.
• Act independently; decision-making within MHCA policy.
• Delegated credit authority within MHCA’s local credit delegation (if applicable for the business segment).

Knowledge, Skills, and Abilities:

• Deep understanding of the project finance industry, with significant experience in renewable energy, data center, and other infrastructure financing transactions.
• Strong…