Restructure Analyst - Credit Team

Caterpillar Inc.•Nashville, TN

1d•$74,124 - $118,608•Onsite

About The Position

Serve as a trusted financial solutions partner for customers experiencing financial difficulty or seeking alternative payment arrangements analyzing customer situations, coordinate with credit, legal, collections, and operations teams, and support restructuring solutions that protect customer relationships while managing portfolio risk. This role combines finance, credit analysis, customer support, negotiation, and problem-solving expertise to deliver positive customer and business outcomes.

Requirements

Bachelor's degree in Finance, Accounting, Business Administration, Economics, Banking, or a related field; or equivalent professional experience.
Strong analytical, problem-solving, and customer relationship management skills.
Experience interpreting financial information, contracts, and supporting documentation.
Demonstrated ability to manage multiple priorities while maintaining exceptional attention to detail.
Excellent written and verbal communication skills with the ability to negotiate and influence outcomes.
Proficiency with Microsoft Excel and financial systems.

Nice To Haves

Moody's Credit Certification (MCC) achieved or actively working toward certification.
Previous credit analysis, commercial credit, underwriting, lending, collections, portfolio management, or financial risk management experience.
Experience in commercial banking, equipment finance, leasing, captive finance, or financial services organizations.
Knowledge of credit restructuring, loan modifications, customer workouts, or special assets management.
Experience reviewing financial statements and assessing customer creditworthiness.
Understanding of risk management principles and portfolio performance metrics.
Prior experience negotiating customer payment arrangements or restructuring solutions.

Responsibilities

Support customers experiencing financial distress through customized restructuring and relief programs.
Evaluate customer circumstances and identify creative contract modification solutions.
Assist customers with payment and non-payment relief alternatives.
Promote customer retention through proactive financial problem solving.
Execute quoting and credit restructuring activities.
Support credit investigation and approval processes.
Gather and analyze financial and transaction-related information.
Escalate high-risk situations when appropriate.
Work closely with Credit, Collections, Customer Service, Legal, Operations, and Sales teams.
Research and resolve transaction discrepancies.
Communicate restructuring recommendations and decisions clearly.
Coordinate activities across internal departments to achieve timely resolutions.
Negotiate acceptable restructuring solutions with customers and business partners.
Respond to customer inquiries with professionalism and urgency.
Build strong relationships with internal and external stakeholders.
Deliver exceptional customer experiences throughout the resolution process.