Credit Analyst

Career AreaFinanceJob DescriptionYour 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.Job SummaryThe Credit Analyst is responsible for evaluating commercial loan applications to determine the creditworthiness of potential borrowers.

This role involves conducting thorough reviews of applicants' credit histories, analyzing financial statements, assessing cash flow, and identifying potential risks.

The analyst prepares credit reports and recommendations to support loan approval decisions, ensuring compliance with internal policies and regulatory requirements.

Collaboration with relationship managers and other stakeholders is essential to structure credit solutions.ResponsibilitiesAnalyze financial statements, tax returns, and other relevant documents to assess borrower capacity and credit risk.Review credit reports and payment histories to evaluate past financial behavior.Prepare comprehensive credit memos with recommendations for approval, modification, or denial of loan requests.Monitor existing loan portfolios for performance and early warning signs of credit deterioration.Ensure all credit analyses comply with internal guidelines and external regulations.Communicate findings and recommendations clearly to senior management and credit committees.Stay informed about industry trends, economic conditions, and regulatory changes that may impact credit risk.Educational RequirementsBachelor's degree in Finance, Accounting, Economics, or a related field.Fluent EnglishWhat Skills You Will HaveFinancial Statement Analysis : Works with balance sheets and income statements to evaluate credit worthiness.Explains the relationship of balance sheets, income statements, and cash flows in the analysis process.Examines financial statement for validity and general correctness, highlights problems or issues.Analytical ThinkingApproaches a situation or problem by defining the problem or issue and determining its significance.Makes a systematic comparison of two or more alternative solutions.Effective CommunicationsDelivers helpful feedback that focuses on behaviors without offending the recipient.Listens to feedback without defensiveness and uses it for own communication effectiveness.Makes oral presentations and writes reports needed for own work.Credit Analysis And VerificationLists basic tools and techniques used to perform credit analysis.Describes the role and importance of credit analysis and verification.Additional InformationLocation : Santa Catarina, Nuevo LeonSponsorship for foreign candidates is not availableRelocation assistance is not available for this position.

Any relocation costs incurred would be the responsibility of the selected candidateDon't forget to include a resumé in English in your profile in WorkdayFinal detailsPlease frequently check the email associated with your application, including the junk / spam folder, 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 updates to your status.The Caterpillar Code of Conduct states that we will select and place employees based on their qualifications for the job to be performed, without regard to race, religion, national origin, color, gender, gender identity, sexual orientation, age or disability.

In this company we do not request pregnancy tests, nor HIV tests as requirements for employment entry, permanence or promotion.Posting Datesseptiembre 22, septiembre 29, 2025Caterpillar is an Equal Opportunity Employer.

Qualified applicants of any age are encouraged to applyNot ready to apply?

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