Senior Credit Analyst

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 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.

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' financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications.

Degree Requirement
Degree or equivalent experience desired

Skill Descriptors
Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
Level Working Knowledge: 
•    Works with general ledger accounts.
•    Differentiates between capital investments and expenses.
•    Uses finance and accounting systems, procedures and practices.
•    Interprets profit and loss statements, balance sheets and financial forecasts.
•    Resolves questions about finance and accounting policies and practices.

Risk Management: Knowledge of processes, tools and techniques for assessing and controlling an organization's exposure to risks of various kinds; ability to apply knowledge of risk management appropriately to diverse situations.
Level Basic Understanding: 
•    Identifies major categories of business risks.
•    Describes key issues and benefits of risk management practices.
•    Describes potential consequences associated with specific examples of business risks.
•    Makes use of organizational resources for risk avoidance and management.

Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
Level Working Knowledge: 
•    Accurately gauges the impact and cost of errors, omissions, and oversights.
•    Utilizes specific approaches and tools for checking and cross-checking outputs.
•    Processes limited amounts of detailed information with good accuracy.
•    Learns from mistakes and applies lessons learned.
•    Develops and uses checklists to ensure that information goes out error-free.

Analytical Thinking: Knowledge of techniques and tools that promote effective analysis; ability