Credit Analyst
Credit Analyst
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$ 72672 - 135444
1 Vacancy
Job Description
Career Area:
FinanceJob Description:
Your Work Shapes the World at Caterpillar Inc.
When you join Caterpillar yourejoining a global team who cares not just about the work we do but also about each other. We are the makers problem solvers and future world builders who are creating stronger more sustainable communities. We dontjust talk about progress and innovation here we make it happen with our customers where we work and live. Together we are building a better world so we can all enjoy living in it.
About Cat Financial
Cat Financial is a subsidiary of Caterpillar Inc. the worlds leading manufacturer of construction and mining equipment offhighway diesel and natural gas engines industrial gas turbines and dieselelectric 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.
Role Definition
- Evaluates commercial loan requests by reviewing applicants credit histories and analyzing financial statements in order to approve or deny loan applications.
Responsibilities
- 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.
Skill Descriptors
- 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.
- Effective Communications: Understanding of effective communication concepts tools and techniques; ability to effectively transmit receive and accurately interpret ideas information and needs through the application of appropriate communication behaviors.
- Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the creditworthiness of an applicant.
- Financial Statement Analysis: Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the creditworthiness 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.
This Job Description is intended as a general guide to the job duties for this position and is intended for the purpose of establishing the specific salary grade. It is not designed to contain or be interpreted as an exhaustive summary of all responsibilities duties and effort required of employees assigned to this job. At the discretion of management this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of essential job functions as that term is defined by the Americans with Disabilities Act.
Summary Pay Range:
$72672.00 $135444.00Compensation and benefits offered may vary depending on multiple individualized factors job level market locationjobrelated knowledge skills individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.
Benefits:
Subject to plan eligibility terms and guidelines. This is a summary list of benefits.
Medical dental and vision benefits*
Paid time off plan (Vacation Holidays Volunteer etc.)*
401(k) savings plans*
Health Savings Account (HSA)*
Flexible Spending Accounts (FSAs)*
Health Lifestyle Programs*
Employee Assistance Program*
Voluntary Benefits and Employee Discounts*
Career Development*
Incentive bonus*
Disability benefits
Life Insurance
Parental leave
Adoption benefits
Tuition Reimbursement
* These benefits also apply to parttime employees
Visa Sponsorship is not available for this position. This employer is not currently hiring foreign national applicants that require or will require sponsorship tied to a specific employer such as H L TN F J E O. As a global company Caterpillar offers many job opportunities outside of the U.S which can be found through our employment website at Dates:May 8 2025 May 15 2025Any offer of employment is conditioned upon the successful completion of a drug screen.
EEO/AA Employer. All qualified individuals Including minorities females veterans and individuals with disabilities are encouraged to apply.
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Required Experience:
IC
Employment Type
Full-Time
