Senior Credit Analyst

Caterpillar - Nashville, TN

Full-time

Nashville, TN

Machinery Manufacturing

About the position

The position at Caterpillar Inc. involves evaluating commercial loan requests by reviewing applicants' credit histories and analyzing financial statements to approve or deny loan applications. The role is crucial in assessing the risk level involved in credit extension and ensuring effective communication with customers and credit associations.

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' financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications.

Requirements

• Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
• Knowledge of processes, tools, and techniques for assessing and controlling an organization's exposure to risks; ability to apply knowledge of risk management appropriately to diverse situations.
• Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
• Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions.
• Understanding of effective communication concepts, tools, and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs.
• Knowledge of the concepts, objectives, tools, and methods used in collateral management; ability to implement and develop collateral strategies for risk control and profit management.
• Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant.
• Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit-worthiness of a business enterprise.

Benefits

• Professional growth opportunities, including leadership programs.
• A supportive work environment that values integrity, excellence, teamwork, commitment, and sustainability.