Credit Analyst

Job Description

When you join Caterpillar, you become part of a global team that cares about the work we do and about one another. We are problem solvers and world builders dedicated to creating stronger, more sustainable communities. We turn progress and innovation into reality with our customers, wherever we work and live. Together, we build a better world for all of us.

Finance

Provide credit and documentation support for Caterpillar Financial Services Corporation (CFSC).

• Negotiate complex financial transactions and prepare them for documentation and funding within limits of authority.
• Facilitate changes in standard documents with legal assistance.
• Administer wholesale and retail customer “loan” covenant compliance reviews, including on‑site record and machine/inventory audits.
• Determine CFSC customer credit worthiness, approve or reject deals within credit authority, recommend beyond authority, and restructure deals.
• Analyze situations, make decisions, and take measured risks using data and insight.
• Conduct and monitor credit investigations.
• Assist in leading documentation of retail accounts receivable.
• Provide training to employees in credit and documentation.
• Participate in continuous improvement objectives, analyzing data and identifying problem areas.
• Apply the company’s Harassment policy in all employment aspects.

Skills, Abilities, and Knowledge

• Mathematical computation skills.
• Data collection and analysis skills.
• Analysis of customer credit summaries and past‑due accounts.
• Financing and taxation principles.
• Amortization schedule calculation.
• Credit concepts and techniques.
• Knowledge of CFSC’s financing and leasing products.
• Past‑due account collection techniques.
• Financing and leasing documentation principles.
• Billing, invoicing, and dealer payment principles.
• UCC filing requirements and bankruptcy laws.
• Result orientation with flexibility and urgency.
• Interpersonal relationship building inside and outside the company.
• Quality focus while maintaining perspective on outcomes.
• Proactive learning and knowledge advancement.

A 4‑year college degree in any discipline and a minimum of 2 years of exempt experience in credit, customer services, collections, marketing, financial statement analysis, or a related field is recommended. Prior experience must be progressively increasing in responsibility and accountability, demonstrating the ability to reach full competency. Equivalent experience may substitute for education.

$74,124.00 – $

Compensation and benefits may vary depending on location, role level, and performance.

• Medical, dental, and vision benefits
• Paid time off plan (Vacation, Holidays, Volunteer, etc.)
• 401(k) savings plans
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSA)
• 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
• Benefits apply to part‑time employees

This position requires working onsite five days a week.

Visa sponsorship is not available for this position.

Caterpillar is an Equal Opportunity Employer, including veterans and individuals with disabilities. Qualified applicants of any age are encouraged to apply.