{"schemaVersion":"jobsearcher.job.v1","id":"4859fdc5e5d1dca4acdb85d0","url":"https://jobsearcher.com/jobs/4859fdc5e5d1dca4acdb85d0","canonicalUrl":"https://jobsearcher.com/jobs/4859fdc5e5d1dca4acdb85d0","title":"Credit Analyst","description":"**Career Area:\nJob Description:\n**Your Work Shapes the World at Caterpillar Inc.**\nWhen 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.\n\nOur common values and focus on inclusion and respect drive the decisions made by our company, teams, and people. This is why we are committed to hiring and building diverse team representatives of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.\n\nWhen 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.\n\n**About Cat Financial\nCat 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.\n\nRole Definition\nEvaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.\n\n**Responsibilities\n\nReviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.\n\nConsults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.\n\nCommunicates with credit associations and other relevant authorities about the credit history of customers.\n\nAnalyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.\n\nDegree Requirement\nDegree or equivalent experience desired\n\nSkill Descriptors\nFinance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.\n\nLevel Basic Understanding:\n\nDescribes the purpose of basic financial reports.\n\nExplains basic practices for financing projects; gives examples.\n\nStates local financial tracking and reporting requirements.\n\nExplains basic financial and accounting concepts and terminology.\n\nService Excellence\nKnowledge 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.\n\nLevel Working Knowledge:\n\nProvides a quality of service that customers describe as excellent.\n\nResolves common customer problems.\n\nResponds to unexpected customer requests with a sense of urgency and positive action.\n\nProvides direct service to internal or external customers.\n\nDocuments customer complaints in a timely manner.\n\nAccuracy and Attention to Detail\nUnderstanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.\n\nLevel Working Knowledge:\n\nAccurately gauges the impact and cost of errors, omissions, and oversights.\n\nUtilizes specific approaches and tools for checking and cross‑checking outputs.\n\nProcesses limited amounts of detailed information with good accuracy.\n\nLearns from mistakes and applies lessons learned.\n\nDevelops and uses checklists to ensure that information goes out error‑free.\n\nAnalytical Thinking\nKnowledge 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.\n\nLevel Working Knowledge:\n\nApproaches a situation or problem by defining the problem or issue and determining its significance.\n\nMakes a systematic comparison of two or more alternative solutions.\n\nUses flow charts, Pareto charts, fish diagrams, etc. to disclose meaningful data patterns.\n\nUses logic and intuition to make inferences about the meaning of the data and arrive at conclusions.\n\nIdentifies the major forces, events, and people impacting and impacted by the situation at hand.\n\nEffective Communications\nUnderstanding 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.\n\nLevel Working Knowledge:\n\nDelivers helpful feedback that focuses on behaviors without offending the recipient.\n\nListens to feedback without defensiveness and uses it for own communication effectiveness.\n\nMakes oral presentations and writes reports needed for own work.\n\nAvoids technical jargon when inappropriate.\n\nLooks for and considers non-verbal cues from individuals and groups.\n\nCredit Analysis and Verification\nKnowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit‑worthiness of an applicant.\n\nLevel Basic Understanding:\n\nIdentifies major tasks and responsibilities of credit analysis staff.\n\nLists basic tools and techniques used to perform credit analysis.\n\nDescribes the role and importance of credit analysis and verification.\n\nClarifies the role of technology in credit analysis and verification.\n\nFinancial Statement Analysis\nKnowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit‑worthiness of a business enterprise.\n\nLevel Working Knowledge:\n\nWorks with balance sheets and income statements to evaluate credit worthiness.\n\nSelects examples of common red and green flags.\n\nExplains the roles of FASB and general accounting principles in the analysis process.\n\nExplains the relationship of balance sheets, income statements, and cash flows in the analysis process.\n\nExamines financial statement for validity and general correctness; highlights problems or issues.\n\nLoan Origination\nKnowledge 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.\n\nLevel Working Knowledge:\n\nPerforms customer service with regard to loan application processes.\n\nVerifies collected customer loan information to ensure accuracy.\n\nPrepares credit risk reports for management.\n\nMaintains and updates information in various application channels and loan origination systems.\n\nParticipates in optimizing loan origination workflow.\n\nThis position requires incumbents to be onsite in the Nashville main office 5 days per week.\n\nCompensation & Benefits:\n*Summary Pay Range:*\n$74,124.00 - $118,608.00\nCompensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance, and experience. Please note that salary is only one component of total compensation at Caterpillar.\n\nBenefits:\nSubject to plan eligibility, terms, and guidelines. This is a summary of the benefits.\n\nMedical, dental, and vision benefits\\*\n\nPaid time off plan (Vacation, Holidays, Volunteer, etc.) \\*\n\n401(k) savings plans\\*\n\nHealth Savings Account (HSA)\\*\n\nFlexible Spending Accounts (FSAs)\\*\n\nHealth Lifestyle Programs\\*\n\nEmployee Assistance Program\\*\n\nVoluntary Benefits and Employee Discounts\\*\n\nCareer Development\\*\n\nIncentive bonus\\*\n\nDisability benefits\n\nLife Insurance\n\nParental leave\n\nAdoption benefits\n\nTuition Reimbursement\n\nThese benefits also apply to part‑time employees\n\nThis Job Description is intended as a general guide to the job duties for this position and is intended for the purpose of establishing the specific salary grade. It is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of “essential job functions” as that term is defined by the Americans with Disabilities Act.\n\nThis position requires working onsite five days a week.\n\nVisa Sponsorship is not available for this position.\n\nPosting Dates:\nJune 23, 2026 - June 30, 2026\n\nAny offer of employment is conditioned upon the successful completion of a drug screen.\n\nCaterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.\n\n#J-18808-Ljbffr","company":"Socket","rawCompany":"socket","city":"Franklin","state":"TN","isRemote":false,"isActive":false,"createdAt":"2026-08-03T03:12:04.389Z","occupations":[{"code":"13-2041.00","title":"Credit Analysts","slug":"credit-analysts"},{"code":"43-4041.00","title":"Credit Authorizers, Checkers, and Clerks","slug":"credit-authorizers-checkers-and-clerks"},{"code":"13-2072.00","title":"Loan Officers","slug":"loan-officers"}],"industries":[{"code":"522390","title":"Other Activities Related to Credit Intermediation","slug":"other-activities-related-to-credit-intermediation"},{"code":"522291","title":"Consumer Lending","slug":"consumer-lending"},{"code":"522299","title":"International, Secondary Market, and All Other Nondepository Credit Intermediation","slug":"international-secondary-market-and-all-other-nondepository-credit-intermediation"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Credit Analyst","description":"**Career Area:\nJob Description:\n**Your Work Shapes the World at Caterpillar Inc.**\nWhen 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.\n\nOur common values and focus on inclusion and respect drive the decisions made by our company, teams, and people. This is why we are committed to hiring and building diverse team representatives of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.\n\nWhen 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.\n\n**About Cat Financial\nCat 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.\n\nRole Definition\nEvaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.\n\n**Responsibilities\n\nReviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.\n\nConsults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.\n\nCommunicates with credit associations and other relevant authorities about the credit history of customers.\n\nAnalyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.\n\nDegree Requirement\nDegree or equivalent experience desired\n\nSkill Descriptors\nFinance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.\n\nLevel Basic Understanding:\n\nDescribes the purpose of basic financial reports.\n\nExplains basic practices for financing projects; gives examples.\n\nStates local financial tracking and reporting requirements.\n\nExplains basic financial and accounting concepts and terminology.\n\nService Excellence\nKnowledge 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.\n\nLevel Working Knowledge:\n\nProvides a quality of service that customers describe as excellent.\n\nResolves common customer problems.\n\nResponds to unexpected customer requests with a sense of urgency and positive action.\n\nProvides direct service to internal or external customers.\n\nDocuments customer complaints in a timely manner.\n\nAccuracy and Attention to Detail\nUnderstanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.\n\nLevel Working Knowledge:\n\nAccurately gauges the impact and cost of errors, omissions, and oversights.\n\nUtilizes specific approaches and tools for checking and cross‑checking outputs.\n\nProcesses limited amounts of detailed information with good accuracy.\n\nLearns from mistakes and applies lessons learned.\n\nDevelops and uses checklists to ensure that information goes out error‑free.\n\nAnalytical Thinking\nKnowledge 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.\n\nLevel Working Knowledge:\n\nApproaches a situation or problem by defining the problem or issue and determining its significance.\n\nMakes a systematic comparison of two or more alternative solutions.\n\nUses flow charts, Pareto charts, fish diagrams, etc. to disclose meaningful data patterns.\n\nUses logic and intuition to make inferences about the meaning of the data and arrive at conclusions.\n\nIdentifies the major forces, events, and people impacting and impacted by the situation at hand.\n\nEffective Communications\nUnderstanding 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.\n\nLevel Working Knowledge:\n\nDelivers helpful feedback that focuses on behaviors without offending the recipient.\n\nListens to feedback without defensiveness and uses it for own communication effectiveness.\n\nMakes oral presentations and writes reports needed for own work.\n\nAvoids technical jargon when inappropriate.\n\nLooks for and considers non-verbal cues from individuals and groups.\n\nCredit Analysis and Verification\nKnowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit‑worthiness of an applicant.\n\nLevel Basic Understanding:\n\nIdentifies major tasks and responsibilities of credit analysis staff.\n\nLists basic tools and techniques used to perform credit analysis.\n\nDescribes the role and importance of credit analysis and verification.\n\nClarifies the role of technology in credit analysis and verification.\n\nFinancial Statement Analysis\nKnowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit‑worthiness of a business enterprise.\n\nLevel Working Knowledge:\n\nWorks with balance sheets and income statements to evaluate credit worthiness.\n\nSelects examples of common red and green flags.\n\nExplains the roles of FASB and general accounting principles in the analysis process.\n\nExplains the relationship of balance sheets, income statements, and cash flows in the analysis process.\n\nExamines financial statement for validity and general correctness; highlights problems or issues.\n\nLoan Origination\nKnowledge 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.\n\nLevel Working Knowledge:\n\nPerforms customer service with regard to loan application processes.\n\nVerifies collected customer loan information to ensure accuracy.\n\nPrepares credit risk reports for management.\n\nMaintains and updates information in various application channels and loan origination systems.\n\nParticipates in optimizing loan origination workflow.\n\nThis position requires incumbents to be onsite in the Nashville main office 5 days per week.\n\nCompensation & Benefits:\n*Summary Pay Range:*\n$74,124.00 - $118,608.00\nCompensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance, and experience. Please note that salary is only one component of total compensation at Caterpillar.\n\nBenefits:\nSubject to plan eligibility, terms, and guidelines. This is a summary of the benefits.\n\nMedical, dental, and vision benefits\\*\n\nPaid time off plan (Vacation, Holidays, Volunteer, etc.) \\*\n\n401(k) savings plans\\*\n\nHealth Savings Account (HSA)\\*\n\nFlexible Spending Accounts (FSAs)\\*\n\nHealth Lifestyle Programs\\*\n\nEmployee Assistance Program\\*\n\nVoluntary Benefits and Employee Discounts\\*\n\nCareer Development\\*\n\nIncentive bonus\\*\n\nDisability benefits\n\nLife Insurance\n\nParental leave\n\nAdoption benefits\n\nTuition Reimbursement\n\nThese benefits also apply to part‑time employees\n\nThis Job Description is intended as a general guide to the job duties for this position and is intended for the purpose of establishing the specific salary grade. It is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of “essential job functions” as that term is defined by the Americans with Disabilities Act.\n\nThis position requires working onsite five days a week.\n\nVisa Sponsorship is not available for this position.\n\nPosting Dates:\nJune 23, 2026 - June 30, 2026\n\nAny offer of employment is conditioned upon the successful completion of a drug screen.\n\nCaterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.\n\n#J-18808-Ljbffr","datePosted":"2026-08-03T03:12:04.389Z","dateModified":"2026-08-03T03:12:04.389Z","hiringOrganization":{"@type":"Organization","name":"Socket","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Franklin","addressRegion":"TN","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"4859fdc5e5d1dca4acdb85d0"},"url":"https://jobsearcher.com/jobs/4859fdc5e5d1dca4acdb85d0"}}