Credit Analyst

3 weeks ago

Nashville, United States Caterpillar Full time
Career Area:
Finance

Job Description:

Your Work Shapes the World at Caterpillar Inc.

When you join Caterpillar, you're joining 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 don't just 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.

Job Description

Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.

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 cat.com 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.
Skills and Experience:
  • Works with balance sheets and income statements to evaluate credit worthiness.
  • Selects examples of common red and green flags.
  • knowledge of working with balance sheets, income statements, and cash flows in the analysis process.
  • Examines financial statement for validity and general correctness; highlights problems or issues.
  • Approaches a situation or problem by defining the problem or issue and determining its significance.
  • Uses logic and intuition to make inferences about the meaning of the data and arrive at conclusions.
  • Knowledge of basic financial and accounting concepts and terminology.
  • Knowledge of basic tools and techniques used to perform credit analysis.
  • Learns from mistakes and applies lessons learned.
  • Utilizes specific approaches and tools for checking and cross-checking outputs.
  • Maintains and updates information in various application channels and loan origination systems.
  • Verifies collected customer loan information to ensure accuracy.
Degree Requirement:
  • A 4-year college or university degree in any discipline and a minimum of 2 years exempt experience in credit, customer services, collections, financial statement analysis and/or a related discipline is recommended.
Additional Information:
  • This role is a hybrid position and would require any successful candidate to commit to a minimum of 3 day per week in office requirement.


This Job Description is intended as a general guide to the job duties for this position and 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.

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 www.caterpillar.com/careers.

Posting Dates:
May 7, 2024 - May 14, 2024

Any 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.

Not ready to apply? Join our Talent Community.

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