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. 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. 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. If you are looking for personal and professional growth in a company with an inclusive culture that seeks equity, respect differences and believes in employee's potential, this is the right place! We consider in all positions people with disabilities, diverse gender, culture, labor unions, political beliefs, ethnicity, religion, age, generation, race, nationality and sexual orientation. Important: ? Don't forget to include a resumé in English in your profile in Workday ? Please frequently check the email associated with your application, including the junk/spam, as this is the primary correspondence method. If you wish to know the status of your application, please use the candidate log-in on our career website as it will reflect any update s to your status. 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. Skill Descriptors Finance and Accounting : Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations. Service Excellence : Knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner. Accuracy and Attention to Detail : Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision. Analytical Thinking : Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems. Effective Communications : Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors. Credit Analysis and Verification : Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant. Financial Statement Analysis : Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit-worthiness of a business enterprise. Loan Origination: Knowledge of the skills, methods and technologies used to process new loan applications; ability to perform loan origination activities while adhering to established policies and procedures. Degree: College degree +4years in Finance, Accounting, Business Administration or related. Experience: A minimum of 3 years of credit working experience. Language Skills: English intermediate. #LI Posting Dates: May 17, 2024 - May 30, 2024 Caterpillar is an Equal Opportunity Employer (EEO).
