Credit Analyst

Career Area:

Job Description:

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.

Your Work Shapes the World at Caterpillar Inc.

Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.

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.

Role Definition:

• Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan 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.

Skills and Experience Required:

• 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.

Degree Requirement:

• A 4-year college or university degree in any discipline and a minimum of 2 years exempt experience in credit, customer services, collections, financial statement analysis and/or a related discipline is recommended.

Compensation & Benefits:

Summary Pay Range:

$74,124.00 - $118,608.00

Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.

Benefits:

Subject to plan eligibility, terms, and guidelines. This is a summary list of benefits.

• Medical, dental, and vision benefits*

• Paid time off plan (Vacation, Holidays, Volunteer, etc.)*

• 401(k) savings plans*

• Health Savings Account (HSA)*

• Flexible Spending Accounts (FSAs)*

• Health Lifestyle Programs*

• Employee Assistance Program*

• Voluntary Benefits and Employee Discounts*

• Career Development*

• Incentive bonus*

• Disability benefits

• Life Insurance

• Parental leave

• Adoption benefits

• Tuition Reimbursement

• These benefits also apply to part-time employees

Additional Information:

• This role is on site 5 days per week based in the Nashville, TN.

This Job Description is intended as a general guide to the job duties for this position and is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of "essential job functions" as that term is defined by the Americans with Disabilities Act.

This position requires working onsite five days a week.

Visa Sponsorship is not available for this position.

Posting Dates:

September 10, 2026- September 17, 2026

Any offer of employment is conditioned upon the successful completion of a drug screen.

Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.

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