Credit Analyst II

3 weeks ago

bangalore, India Caterpillar Full time

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.


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.

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