Credit Analyst

**Career Area**:Finance**:
**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.

**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 analyze customer credit summaries and past due accounts.
- Thorough knowledge of credit concepts and techniques.
- Knowledge of financing and leasing products of the subsidiary.
- 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.

**_Additional Information: _**
- Caterpillar is an Equal Opportunity Employer and considers applicants for all positions without regard to race, colour, 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 _
- Follow us on Twitter, Facebook, LinkedIn, and YouTube. _
- #LI _
- 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).

Not ready to apply? Join our Talent Community.