Credit Analyst

Career Area:

Finance

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 cat.com to learn more about Cat Financial.

Job Purpose:

To carry out the activities necessary to provide credit to customers with acceptable limits of risk to the company.

Principal Duties And Responsibilities:

• Determines customer credit worthiness, approves/rejects customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals.
• Negotiates complex financial transactions and prepares transactions for documentation and funding within limits of authority.
• Negotiates changes in standard documents with legal assistance.
• Negotiates and prepares financial transactions for documentation for transactions in excess of credit authority.
• Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits.
• Conducts and monitors credit investigations.
• Assists in leading the documentation of retail accounts receivable and administers in-processing, signing, and funding of documented transactions.
• Assists in managing accounting input and audits booked deals for accuracy.
• May provide training for employees in the areas of credit, documentation, and in-processing.
• Participates in accomplishment of continuous improvement objectives for the department.  
• Participates in the identification of problem areas and development of resolutions to address them.

Job Requirements:

• A completed 3-year qualification in Credit, Finance or related field.
• A minimum of 4 years exempt experience in credit, collections, and/or financial statement analysis is recommended. 
• Knowledge of and ability to analyse customer credit summaries and past due accounts.
• Thorough knowledge of Caterpillar products, their applications, and their markets.
• Thorough knowledge of credit concepts and techniques.
• Knowledge of financing and leasing products of the subsidiary.
• Knowledge of and ability to apply past due account collection techniques.
• Thorough knowledge of financing and leasing documentation principles.
• Knowledge of billing, invoicing and dealer payment principles and concepts.
• Knowledge of security filing requirements and their applicability to bankruptcy laws and regulations.
• Knowledge of marketing, credit and customer services concepts and techniques.
• Ability to apply effective oral, written, and listening communication skills with dealers, customers, company personnel, and the financial community.

Additional Information:  

Please frequently check the email associated with your application, including the junk/spam folder, as this is the primary correspondence method. If you wish to know the status of your application – please use the candidate log-in on our career website as it will reflect any updates to your status.  

Caterpillar is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. 

Caterpillar is committed to creating a dynamic work environment that values diversity and inclusion, respect and integrity, customer focus, and innovation. For more information, visit

https://www.caterpillar.com/en/careers/why-caterpillar.html  

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NB. The panel cannot make assumptions when shortlisting therefore please demonstrate your qualifications and experience on your CV relevant to the criteria outlined. 

Caterpillar is an Equal Opportunity Employer (EEO).

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