Credit Analyst - Cat Card

Career Area:

Finance

Job Description:

JOB SUMMARY:  

• Provide credit and documentation support for Caterpillar Financial Services Corporation (CFSC). 

 
JOB DUTIES AND RESPONSIBLITIES: 

• Negotiates complex financial transactions and prepares transactions for documentation and funding within limits of authority.  Negotiates changes in standard documents with legal assistance.  
• Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits.
• Determines CFSC customer credit worthiness, approves/rejects CFSC customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals.  
• Analyzes situations, makes decisions and takes measured risks using available data as well as insight.
• Conducts and monitors credit investigations.
• Assists in leading the documentation of retail accounts receivable.
• Provides training for employees in the areas of credit and documentation.
• 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.
• Understands the Harassment policy of the company and is responsible for its application in all aspects of employment.

JOB REQUIREMENTS:

• Thorough knowledge of and demonstrated ability to apply math computation skills.
• Demonstrated knowledge of and ability to apply data collection and analysis skills.
• Demonstrated knowledge of and ability to analyze customer credit summaries and past due accounts.
• Thorough knowledge of and demonstrated ability to apply financing and taxation principles.
• Thorough knowledge of and demonstrated ability to calculate amortization schedules.
• Thorough knowledge of credit concepts and techniques.
• Knowledge of CFSC’s financing and leasing products.
• Knowledge of 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 UCC filing requirements and their applicability to bankruptcy laws and regulations.
• Demonstrated ability to concentrate on results while being flexible to achieve goals.  
• Has a sense of urgency and willingness to accept accountability.
• Demonstrated ability to develop and maintain good interpersonal relationships working effectively with others inside and outside the company.
• Demonstrated ability to strive for quality as well as timeliness maintaining perspective as to the outcome of the decisions.
• Demonstrated ability to learn and takes proactive steps to increase knowledge showing a commitment to the business.

EDUCATION/EXPERIENCE:

• 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.  
• 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.

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

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