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Finance Card@2X


Customer Portfolio Analyst II

Location Nashville, Tennessee, United States of America
Date Posted
Contract Type Full time
Job Type Regular
Requisition ID R0000191732

Career Area:


Job Description:

Your Work Shapes the World at Caterpillar Inc.

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.


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.

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.


Under general supervision, manage a portfolio of international/domestic projects and marine transactions for Caterpillar Financial.  Analyze and underwrite amendment and modification requests and ensure appropriate documentation and security filings.  Ensure appropriate customer service, accurate systems set-up and reporting.  Analyze past due results and provide regular portfolio updates to management regarding collection activity, PCL recommendations and other portfolio performance parameters.   Provide answers to customer inquiries and work to resolve customer service issues related to invoicing, due date changes, principal reductions, account reconciliations, interest paid letters, buyout quotes and other similar issues.  Complete accurate and timely processing of contract terminations, which includes but is not limited to, preparing and sending paid-in-full documents and releasing liens and/or mortgages.

PRINCIPAL DUTIES AND RESPONSIBLITIES:  Performs the following duties under general supervision .             
1.     Utilizes Legal, Tax and other support functions within CFSC, if needed to ensure compliance with laws and regulations in multiple international jurisdictions.  
2.     Communicates with customers, dealers, banking partners, CFSC, internal and external counsel and other lenders to negotiate transaction issues and develops appropriate documentation with international parties in multiple jurisdictions.  Ensures that all conditions of the transaction credit approval are correctly documented in the documentation package for each transaction.
3.     Prepares and reviews standard and non-standard transaction documentation and necessary amendments and recommends execution to CPF management and CFSC Legal.  
4.     Explains documents and conditions precedent to documenting/booking to customers and banking partners and negotiates complex documentation issues.  Approves exceptions to standard practice within authority level.
5.     Confirms insurance coverage against standard requirements, follows up for any deficiencies and verifies and/or negotiates coverage to complete the document file. 
6.     Underwrites transaction modifications and restructures within authority and ensures accurate and timely processing of documentation and accounting system changes.  Transactions frequently will be large, complex and involve project finance, construction finance, syndications, permanent and bridge finance, specialized leases, subordinated debt, domestic and cross-border US dollar denominated instruments and frequently involve foreign currencies and jurisdictions. 
7.     Consults with Legal Services Division to review contract documents and may oversee the booking and funding of transactions.
8.     Finds solutions to mitigate potentially serious risks inherent in proposed amendments and modifications of transactions.  Overcomes obstacles to successfully close the deal, while not degrading portfolio quality. 
9.     Explains, defends, persuades and stands up for recommendations and position taken for all interested parties, while respecting underwriting recommendations and decisions.  Interested parties can and may include, end-user customer, marketing organizations of Caterpillar Divisions, staff and management of Business Units, banking syndicate partners and Financial Products Division (FPD) credit staff and executives.
10.     Visits existing customers to maintain a valid risk profile on existing large transaction customers.  Performs reviews and assessments of existing large transactions to ensure the relative risk rating and overall portfolio quality has not deteriorated.
11.     Develops and maintains a knowledge base respecting certain regions and countries of the world.  Maintains a readiness and capability of sharing this information with other Business Unit staff regarding requirements for conducting business in these regions and countries.  Develops a network of FPD and Caterpillar Inc. contacts, which can provide additional valuable insight regarding conducting business in these regions and countries of the world.
12.     Manages various loan retention accounts during the term of the loan.
13.     Ensures adequate collection efforts related to assigned portfolio while maintaining goodwill with customers.
14.     Analyzes past due results and provides regular portfolio updates to management regarding collection activity and other portfolio performance parameters.
15.     Recommends additions, deletions and modifications to the Potential Credit Loss Report. 
16.     Provides thoughtful and timely answers to customer inquiries and works to resolve customer service issues related to invoicing, due date changes, principal reductions, account reconciliations, interest paid letters, buyout quotes and other similar issues.  
17.     Ensures completion of all activities necessary to establish and maintain proper security interest in collateral related to affected loans and leases.
18.     Works with Cash Applications Department to ensure correct application and accounting of funds received.
19.     Completes accurate and timely processing of contract terminations, which includes but is not limited to, preparing and sending paid-in-full documents and releasing liens and/or mortgages.
20.     Participates in accomplishment of continuous improvement objectives for the department.  Progress toward accomplishment of these is measured through maintenance of necessary measurements and analysis of associated data.  Participates in the identification of problem areas and development of resolutions to address them.
21.     Understands the Harassment policy of the company and is responsible for its application in all aspects of employment. 

1.     Demonstrated knowledge and ability to analyze problems, make decisions and take measured risks using available data.
2.     Demonstrated ability to concentrate on results while being flexible to achieve goals.  Has a sense of urgency and willingness to accept accountability.
3.     Proven ability to develop and maintain good interpersonal relationships working effectively with others inside and outside the company.
4.     Demonstrated knowledge and ability to perform financial statement analysis.
5.     Successful completion of Moody’s Credit Risk Training, Moody’s Financial Statement Training, Cash Flow Training or equivalent per job assignment/region.
6.     Demonstrated knowledge of and ability to use spreadsheet software to perform advanced financial modeling and cash flow analysis.
7.     Demonstrated understanding of and the ability to apply financial math, time value of money and pricing, the implications and principal aspects of the various advanced financing structures used by CFSC and how their use will be reflected in spreadsheets, pricing and various other financial calculations.
8.     Demonstrated knowledge of key financial concepts related to loans, leases, senior and subordinated debt, capital stock, common stock, preferred stock, warrants, options and etc.
9.     Demonstrated knowledge of legal documentation related to the finance/lease industry both domestic and international.
10.     Demonstrated knowledge of all documents typically related to financing structures used by CFSC Business Units.
11.     Demonstrated knowledge and the ability to perform business risk analysis and underwrite large, complex business credits.
12.     Working knowledge of financial instruments and risk elements used in international transactions.
13.     Working knowledge and demonstrated ability to work with legal advisors and to negotiate terms and conditions.
14.     Demonstrated knowledge of and the ability to analyze customer credit summaries and past due accounts.
15.     Demonstrated knowledge of and the ability to apply financing and taxation principles.
16.     Demonstrated knowledge of and the ability to calculate casualty values and amortization schedules.
17.     Working knowledge of Caterpillar products, their applications and the markets.
18.     Demonstrated knowledge of and the ability to apply customer services and collection concepts and techniques.
19.     Demonstrated knowledge of and the ability to apply CFSC’s financing and leasing products.
20.     Demonstrated ability to apply Spanish language skills as needed.

A 4-year college or university degree in any discipline and a minimum of 2 years exempt experience in credit, customer services, collections, marketing, financial statement analysis and/or a related discipline is recommended, as well as previous exposure to commercial lending, corporate or commodity finance.  Previous exempt work experience must be progressively increasing in responsibility and accountability and demonstrate an ability to gain in knowledge, skills and responsibility such that a level of full competency can be reached.  Equivalent experience may be substituted for education.
DISCLAIMER:  The preceding job description has been designed to describe the general nature and level of work being performed by people assigned to this job.  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 anytime to address the evolving needs of the organization.

#LI #LI-Hybrid

EEO/AA Employer.  All qualified individuals - Including minorities, females, veterans and individuals with disabilities - are encouraged to apply.

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