Credit Analyst

Mustang CAT•Houston, TX

About The Position

Mustang Cat is seeking a detail-oriented, analytical Credit Analyst to support its Credit & Collections team in Houston, Texas. The role evaluates commercial and eligible consumer credit applications, assesses financial risk, establishes and adjusts credit limits, and supports sales and rental operations while protecting the company’s financial interests. It offers independent decision-making and problem-solving in a fast-paced business environment. The Credit Analyst reviews customer credit and financial information, makes or recommends decisions within established authority, monitors existing accounts for risk, and verifies financial and documentation requirements for equipment releases. The position works with Sales, Credit & Collections leadership, and internal departments, maintains accurate records in compliance with company policies and applicable regulations, and identifies ways to improve credit processes and operational efficiency.

Requirements

3–5 years of experience in commercial credit analysis, underwriting, or credit decision-making.
Experience evaluating commercial and consumer credit information.
Strong understanding of financial statements, credit reports, payment trends, and financial risk assessment.
Familiarity with Dun & Bradstreet, Experian Business, MicroBilt, or similar credit reporting platforms.
Proficiency in Microsoft Excel and strong analytical and problem-solving skills.
Ability to make sound, independent credit decisions while managing multiple priorities.
Excellent communication, organizational, and relationship-building skills.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
5+ years of relevant credit analysis experience.
Experience in heavy equipment, construction, equipment rental, industrial distribution, or equipment financing.
Knowledge of UCC filings, secured transactions, personal and corporate guarantees, and accounts receivable aging.

Responsibilities

Review commercial and eligible consumer credit applications to determine creditworthiness and appropriate credit limits.
Analyze business and consumer credit reports using Dun & Bradstreet, Experian, MicroBilt, and similar platforms.
Review financial statements, cash flow, payment histories, trade references, and other financial information to assess credit risk.
Approve, decline, or recommend credit terms and limits within established authority.
Evaluate existing customer accounts and recommend credit limit adjustments based on payment performance and financial condition.
Monitor accounts for potential credit risks, including delinquent balances, bankruptcies, liens, and other financial concerns.
Review equipment release requests to verify that payment, financing, and documentation requirements have been satisfied.
Partner with Sales teams, Credit & Collections leadership, and internal departments to support timely credit decisions.
Maintain accurate credit records and documentation while ensuring compliance with company policies and applicable regulations.
Identify opportunities to improve credit processes, reduce financial exposure, and support operational efficiency.