Credit Analyst II - Guateng at Caterpillar Inc.

Job purpose:

As a Credit Analyst at Caterpillar – FPD, you will carry out activities necessary to provide credit to customers with acceptable limits of risk to the company.

What you will do:

• Negotiates complex financial transactions and prepares transactions for documentation and funding within limits of authority. 
• Negotiates changes in standard documents with legal assistance. 
• Assists in administration of wholesale and retail customer "loan" covenant compliance reviews, including on-site record and physical machine/inventory audits.
• Determines customer credit worthiness, approves/rejects customer deals within approved credit authority, recommends deals beyond credit authority, and restructures customer deals. 
• 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 the identification of problem areas and development of resolutions to address them.

Skills you will have:

• Technical Excellence - Provides effective solutions to Credit Analysis through strong technical competence.
• Knowledge of credit concepts and techniques.
• Knowledge of financing and leasing products of the subsidiary.
• Knowledge of billing, invoicing and dealer payment principles and concepts.
• Ability to apply effective oral, written, and listening communication skills with dealers, customers, company personnel, and the financial community.

Qualifications and experience:

• A completed 3-year Finance qualification.
• A minimum of 4 years’ experience in credit, collections, and financial statement analysis is recommended.
• Experience in the financial/banking industry will be advantageous.