Credit Analyst

Career Area:FinanceJob 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 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 cat.com to learn more about Cat Financial.JOB SUMMARY: Provide credit and documentation support for Caterpillar Financial Services Corporation (CFSC).PRINCIPAL 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:SKILLS, ABILITIES, AND KNOWLEDGE:

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.#LIVisa Sponsorship is not available for this position. This employer is not currently hiring foreign national applicants that require or will require sponsorship tied to a specific employer, such as, H, L, TN, F, J, E, O. As a global company, Caterpillar offers many job opportunities outside of the U.S which can be found through our employment website at www.caterpillar.com/careers.Posting Dates:March 26, 2024 - April 2, 2024Any offer of employment is conditioned upon the successful completion of a drug screen.EEO/AA Employer. All qualified individuals - Including minorities, females, veterans and individuals with disabilities - are encouraged to apply.Not ready to apply? Join our Talent Community (http://flows.beamery.com/caterpillarinc/talcom) .There’s more to work at Caterpillar than just the work itself. We hire smart, friendly people and it shows in our culture. We hold ourselves to high standards and make sure our values of integrity, excellence, teamwork, commitment and sustainability come to life in the way we work. We make sure our employees feel continuously challenged while also supported. We provide professional growth opportunities, including leadership programs. We celebrate the diversity of our team, while also working together as one Caterpillar.Our culture, like everything at our company, is made possible by each employee’s contribution. Person by person, we create the environment we work in, and we are proud of the Caterpillar we’ve built.