Credit Analyst II

Job Description

Career Area:

Job Description:

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Job Description

About Caterpillar

Caterpillar Inc. is 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 nearly 100 years, we’ve been helping customers build a better, more sustainable world and are committed and contributing to a reduced-carbon future. Our innovative products and services, backed by our global dealer network, provide exceptional value that helps customers succeed.

Position Title: Credit Analyst II

Job Location: Bangalore, KA-India

Job Description Summary

Provide credit and documentation support in Caterpillar Financial Services Corporation (CFSC) region offices.
Principal Duties and responsibilities

• Determines CFSC customer credit worthiness, approves/rejects CFSC customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals.
  
• Negotiates complex financial transactions and prepares transactions for documentation and funding within limits of authority.
  
• Negotiates changes in standard documents with legal assistance.
  
• Negotiates and prepares financial transactions for documentation for transactions in excess of credit authority.
  
• Conducts and monitors credit investigations.
• Assists in managing accounting input and audits booked deals for accuracy.
• May provide training for employees in the areas of credit, documentation, and in-processing.
• 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.
• Participates in the identification of problem areas and development of resolutions to address them.
• The Harassment policy of the company and is responsible for its application in all aspects of employment.
  Job Requirements:

Skills , Abilities and Knowledge

• Demonstrated knowledge of and demonstrated ability to apply math computation skills.
  
• Demonstrated knowledge of and ability to analyze customer credit summaries and past due accounts.
  
• Demonstrated knowledge of and demonstrated ability to apply financing principles.
  
• Working knowledge of Caterpillar products, their applications and their markets.
  
• Demonstrated knowledge of credit concepts and techniques.
  
• Working knowledge of CFSC’s financing and leasing products.
  
• Working knowledge of past due account collection techniques.
  
• Working knowledge of UCC filing requirements and their applicability to bankruptcy laws and regulations.
  Education and Experience

• Graduate or Postgraduate (preferably MBA Finance) with a fair understanding of Financial statements and a minimum of 5 years’ experience in credit with financial statement analysis is recommended.
• Previous exempt work experience must be progressively increasing in responsibility and accountability and demonstrate an ability to gain in knowledge, skills, and responsibility such that a level of full competency can be reached.
• Equivalent experience may be substituted for education.

Additional Information:

Caterpillar is not currently hiring individuals for this position who now or in the future require sponsorship for employment visa status; however, as a global company, Caterpillar offers many job opportunities outside of the U.S. which can be found through our employment website at
Caterpillar is an Equal Opportunity Employer (EEO)
EEO/AA Employer. All qualified individuals - including minorities, females, veterans and individuals with disabilities - are encouraged to apply.

Posting Dates:

Caterpillar is an Equal Opportunity Employer (EEO).

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