Credit Analyst Ii

**Career Area**:Finance**:
**Your Work Shapes the World at Caterpillar Inc.**

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**About Cat Financial**

**At Caterpillar, you build what matters—whether it’s the career you want, crucial work skills, strong relationships or new digital technologies. There are big jobs to be done worldwide—building critical infrastructure, bolstering local economies, meeting the demand for energy—and that work is powered by our people, which is build through diversity, aiming to achieve the best results.**

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**JOB SUMMARY**:Carry out the activities necessary to analyze and make reasonable credit decisions for equipment and services financing with acceptable limits of risk to the company. Perform adequate and understandable credit reports, and support recommendations for credits which are over the credit authority of the analyst. Review the viability of financial transactions with Sales Department, Dealers and Customer Service Department. Providing credit trainings to sales team and dealer. Perform quarterly self audits to ensure documents and analysis accuracy.

**PRINCIPAL DUTIES AND RESPONSIBILITIES**:
1. Analyze and make reasonable credit decisions for customers with acceptable limits of risk to the company. Provide credit responses in acceptable turnaround times.

2. Determines customer credit worthiness to approve/reject customer deals within credit authority, recommend deals beyond credit authority, and restructures customer deals.

3. Manage and control line of credit availability for each customer.

4. May provide training for employees in the areas of credit, documentation, and in-processing.

5. Participates in accomplishment of continuous improvement objectives for the department. Progress toward accomplishment of these is measured through maintenance of necessary measurements and analysis of associated data.

6. Participates in the identification of problem areas and development of resolutions to address them. Participate of team meetings, delivering new improvement ideas.

**JOB REQUIREMENTS**:
**SKILLS, ABILITIES, AND KNOWLEDGE**:
1.Knowledge and ability to analyze companies' financial statements, concepts and ratios

3.Thorough knowledge of enterprise credit concepts and techniques.

4.Knowledge of financing and leasing products

5.Knowledge of security filing requirements and their applicability to bankruptcy laws and regulations.

6.Knowledge of markets, credit and customer services concepts and techniques.

**EDUCATION/EXPERIENCE**:A Bachelor degree or equivalent diploma. Master’s degree is desirable (Finance, Economics, MBA).

A minimum of 3 years exempt experience in credit analysis for small and large companies, especially in the mining and construction industries and financial statement analysis.

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Caterpillar is an Equal Opportunity Employer (EEO).

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