Credit Analyst

Caterpillar•Nashville, TN

1d•Onsite

About The Position

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 Cat 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.

Requirements

Financial Statement Analysis – Strong ability to interpret and analyze balance sheets, income statements, and cash flow statements to assess financial performance and creditworthiness.
Credit Risk Assessment – Demonstrated ability to identify financial strengths, weaknesses, and key risk indicators, including recognizing common red and green flags within financial data.
Analytical Problem Solving – Skilled at evaluating complex situations, defining issues, determining their significance, and developing sound conclusions based on available information.
Critical Thinking & Decision Making – Uses financial data, logic, and business judgment to make informed recommendations and risk-based decisions.
Financial & Accounting Knowledge – Solid understanding of fundamental accounting principles, financial concepts, and terminology relevant to credit analysis and commercial lending.
Credit Analysis Expertise – Knowledge of credit analysis methodologies, tools, and techniques used to evaluate borrower risk and financial health.
Attention to Detail – Ability to review financial statements and supporting documentation for accuracy, completeness, validity, and consistency while identifying discrepancies or concerns.
Quality Assurance & Validation – Applies structured review processes, verification techniques, and cross-checking methods to ensure high-quality and accurate analysis outputs.
Data Accuracy & Integrity – Proven ability to verify and validate customer financial and loan information, ensuring data reliability and compliance with established standards.
Systems & Process Management – Experience maintaining accurate records and managing information within loan origination systems and other financial applications.

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 complaints.
Communicates with credit associations and other relevant authorities about the credit history of customers.
Analyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.