Credit Analyst at Caterpillar Inc.

Principal Duties And Responsibilities:

• Determines customer credit worthiness, approves/rejects 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.
• Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits.
• Conducts and monitors credit investigations.
• Assists in leading the documentation of retail accounts receivable and administers in-processing, signing, and funding of documented transactions.
• 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.  
• Participates in the identification of problem areas and development of resolutions to address them.

Job Requirements:

• A completed 3-year qualification in Credit, Finance, or related field.
• A minimum of 4 years exempt experience in credit, collections, and/or financial statement analysis is recommended. 
• Knowledge of and ability to analyze customer credit summaries and past due accounts.
• Thorough knowledge of Caterpillar products, their applications, and their markets.
• Thorough knowledge of credit concepts and techniques.
• Knowledge of financing and leasing products of the subsidiary.
• Knowledge of and ability to apply past due account collection techniques.
• Thorough knowledge of financing and leasing documentation principles.
• Knowledge of billing, invoicing and dealer payment principles and concepts.
• Knowledge of security filing requirements and their applicability to bankruptcy laws and regulations.
• Knowledge of marketing, credit and customer services concepts and techniques.
• Ability to apply effective oral, written, and listening communication skills with dealers, customers, company personnel, and the financial community.