Senior Credit Analyst

Career AreaFinanceJob DescriptionYour 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. About Cat FinancialCat 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. Role Summary Our team at Financial Products Division (FPD) is looking for a highly skilled and analytical Senior Credit Analyst to join our dynamic team in South Africa. In this role, you will be responsible for evaluating commercial loan applications by assessing creditworthiness, reviewing credit histories, and performing comprehensive financial statement analyses. Your insights and expertise will be instrumental in making sound credit decisions that align with our company lending policies risk appetite. 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 complaintsmunicates with credit associations and other relevant authorities about the credit history of customers. Analyses financial data to determine customers' financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications. Skill You Will Have Finance and Accounting : Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations. 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. Accuracy and Attention to Detail : Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision. Analytical Thinking : Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems. Effective Communications : Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviours. Collateral Management : Knowledge of the concepts, objectives, tools and methods used in collateral management, ability to implement and develop collateral strategies for risk control and profit management. Credit Analysis and Verification : Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the creditworthiness of an applicant, statement data and determine the creditworthiness of a business enterprise. What Will Put You Forward A completed BCom degree in Finance, Credit or a related field of study. 4 years minimum experience in a similar position. Excellent knowledge and experience of credit process, and the ability to analyze customer financial statements and assessing credit worthiness. We Offer From day one, you're set up to thrive at Caterpillar : helpful training, relatable mentors, global experience, competitive salary package, work-life balance, and the growth opportunities you expect with a Fortune company. You power our success, and we are committed to empowering yours. After all, when your work can impact the entire world, it's important to do work that matters. Caterpillar Inc. is 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 nearly years, we've been helping customers build a better, more sustainable world and are committed and contributing to a reduced‑carbon future. Our innovative products and services, backed by our global dealer network, provide exceptional value that helps customers succeed. Additional Information Onsite, five days a week in Kempton Park, Johannesburg. Relocation will not be supported. 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. How We Support You (Employee Benefits) Our goal at Caterpillar is for you to have a rewarding career. Our teams are critical to the success of our customers who build a better world. Here you earn more than just wage, because we value your performance, we offer a total rewards package that provides day one benefits along with the potential of a variable bonus and additional benefits. We value authenticity and encourage candidates to submit original, personally crafted responses throughout our hiring process. Use of AI-generated content may disadvantage your application. Posting DatesSeptember 12, September 22, Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply. Not ready to apply? Join our Talent Community. Caterpillar is an Equal Opportunity Employer and considers applicants for all positions. Caterpillar commits itself to the realization of employment equity goals as envisaged in the South‑African Employment Equity Act and policies relating to workplace equality. 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 Caterpillar takes data privacy seriously and is committed to compliance with The Protection of Personal Information Act in South Africa. Candidate CVs are used for the limited purpose of evaluating suitability for this job role and deleted from our database when it is no longer needed for the purpose as soon as it is practicable. For more information on Caterpillar's privacy practices, please visit our Global Data Privacy Statement. Follow us on Twitter, Facebook, LinkedIn, and YouTube. #J-18808-Ljbffr