Credit Analyst

Beschrijving

Career Area:

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.

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 team representatives 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.

Position Summary

The Commercial Credit Analyst evaluates commercial loan requests by analyzing borrowers’ financial condition, credit history, cash flow, liquidity, and overall risk profile. This role performs financial and credit analysis, identifies potential risks, and provides well-supported recommendations regarding loan approval or denial.

The analyst also works with customers and internal partners to verify financial information, resolve questions, and help ensure loan applications are evaluated accurately and efficiently in accordance with established policies and procedures.

Key Responsibilities

• Analyze commercial loan applications to assess borrower creditworthiness and overall lending risk.
• Review financial statements, including balance sheets, income statements, and cash flow information, to evaluate financial performance, profitability, liquidity, and repayment capacity.
• Review applicants’ credit histories and other relevant financial information to identify potential risks, trends, and areas requiring additional analysis.
• Evaluate financial data and develop an informed risk assessment for commercial credit requests.
• Prepare clear, accurate credit analyses and risk reports that support lending decisions.
• Recommend approval or denial of commercial loan requests based on available financial and credit information.
• Verify customer and loan information for completeness and accuracy throughout the application and origination process.
• Communicate with customers to clarify financial information, verify transactions, answer questions, and address concerns related to the loan process.
• Coordinate with credit associations and other relevant sources to obtain or validate credit information, as appropriate.
• Maintain accurate information within loan origination and application systems.
• Follow established credit, lending, documentation, and loan origination policies and procedures.
• Partner with internal teams to support an efficient, accurate loan origination process and identify opportunities to improve workflow.

Qualifications

Education and Experience

• Bachelor’s degree or equivalent relevant experience preferred.
• Experience or foundational knowledge in commercial credit, banking, lending, finance, accounting, or financial analysis preferred.

Knowledge, Skills & Abilities

Financial Analysis

• Working knowledge of financial statements, including balance sheets, income statements, and cash flow statements.
• Ability to evaluate financial information for accuracy, identify trends and potential concerns, and use the information to assess creditworthiness.
• Understanding of fundamental finance and accounting concepts and terminology.

Credit Analysis

• Understanding of commercial credit analysis and verification practices.
• Ability to review credit and financial information and identify factors that may affect a borrower’s risk profile.
• Familiarity with tools, technology, and processes used to support credit analysis.

Loan Origination

• Working knowledge of commercial loan application and origination processes.
• Ability to verify borrower information, maintain accurate application records, and prepare credit risk information for review.
• Ability to work within established lending policies, procedures, and systems.

Analytical Thinking & Attention to Detail

• Strong analytical and problem-solving skills with the ability to evaluate multiple sources of financial information and draw well-supported conclusions.
• High degree of accuracy when reviewing detailed financial and credit information.
• Ability to identify inconsistencies, omissions, and potential risk indicators and determine when additional information is needed.

Communication & Customer Service

• Strong written and verbal communication skills with the ability to explain financial or credit-related information clearly.
• Ability to respond professionally and promptly to customer questions and concerns.
• Strong service orientation when working with both internal and external customers.
• Ability to document findings, recommendations, and customer interactions clearly and accurately.

What Success Looks Like

Successful candidates will combine financial analysis skills with sound judgment and attention to detail. They will be comfortable working with financial statements and credit information, asking questions when information is incomplete, and developing clear recommendations that help the organization make informed commercial lending decisions.

They will also bring a customer-focused approach to the role, balancing responsiveness and service with the accuracy and disciplined analysis required in commercial lending.

Additional Information:

This position requires incumbents to be onsite in the Nashville main office 5 days per week.

Compensation & Benefits:

Summary Pay Range:

$74,124.00 - $118,608.00

• Compensation and benefits offered may vary depending on multiple individualized factors, job 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 part-time employees

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.

Posting Dates:

Any offer of employment is conditioned upon the successful completion of a drug screen.

Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.

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