Credit Analyst

Career Area:

Job Description:

Your Work Shapes the World at Caterpillar Inc.

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About Cat Financial

Cat Financial is a subsidiary of Caterpillar Inc., the world's leading manufacturer of construction and mining equipment, off-highway diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. For more than 40 years, Cat Financial has provided a wide range of financing solutions to customers and Cat dealers for machines, engines, Solar gas turbines, genuine Cat parts and services. Headquartered in Nashville, Tennessee, Cat Financial serves customers globally with offices and subsidiaries located throughout North and South America, Asia, Australia, Europe and Africa. Visit to learn more about Cat Financial.

At Caterpillar, you build what matters—whether it's the career you want, crucial work skills, strong relationships or new digital technologies. There are big jobs to be done worldwide—building critical infrastructure, bolstering local economies, meeting the demand for energy—and that work is powered by our people, which is build through diversity, aiming to achieve the best results.

If you are looking for personal and professional growth in a company with an inclusive culture that seeks equity, respect differences and believes in employee's potential, this is the right place We consider in all positions people with disabilities, diverse gender, culture, labor unions, political beliefs, ethnicity, religion, age, generation, race, nationality and sexual orientation.

Job Description: Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.

What you will do:

•Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.

•Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.

•Communicates with credit associations and other relevant authorities about the credit history of customers.

•Analyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.

What you will have:

Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.

Service Excellence: Knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.

Analytical Thinking: Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems.

Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant.

Financial Statement Analysis: Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit-worthiness of a business enterprise.

Loan Origination: Knowledge of the skills, methods and technologies used to process new loan applications; ability to perform loan origination activities while adhering to established policies and procedures.

Basic Requirements:

•Bachelor Degree

•Experience in Credit

•Language Skills: English intermediate.

Top candidates will also have:

•Degree: College degree +4years in Finance, Accounting, Business Administration or related.

•Experience: A minimum of 3 years of credit working experience.

•Experience working in a Bank.

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Posting Dates:

Caterpillar is an Equal Opportunity Employer.  Qualified applicants of any age are encouraged to apply

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