Analista de Crédito at Caterpillar Inc.

Sao Paulo, Sao Paulo, Brazil

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Finance, Construction Equipment, MiningIndustries

Requirements

Ensino superior completo
Inglês intermediário
Experiência prévia em Instituições Financeiras e/ou atividades de crédito
Conhecimento de práticas financeiras e contábeis, análise financeira e relatórios (Finanças e Contabilidade)
Conhecimento de técnicas e ferramentas de pensamento analítico para determinar causa raiz de problemas e criar soluções
Compreensão de conceitos, ferramentas e técnicas de comunicação eficaz
Conhecimento de demonstrações financeiras, relatórios gerenciais e bureau de crédito; capacidade de analisar dados para determinar capacidade de crédito
Candidatos em destaque: Inglês pré-avançado; Excel avançado; Experiência com Data Analytics

Responsibilities

Análise econômico-financeira de clientes PJ (Varejo e Middle Corporate) e PF
Análise da documentação cadastral dos clientes, como Balanço/DRE, volume de garantias oferecidas, eventuais restrições creditícias da empresa e outros
Avaliação da capacidade financeira para recomendar o crédito solicitado, com a preparação de um dossiê contendo as informações necessárias para decisão
Monitoramento da carteira de clientes
Desenvolvimento de relatórios gerenciais
Atuar em projetos de melhoria contínua
Atuar em parceria com a área comercial para avaliação dos clientes, estruturação de propostas e visitas a clientes

Skills

Key technologies and capabilities for this role

Credit AnalysisFinancial ServicesFinancingLeasingRisk AssessmentCapital de Giro

Questions & Answers

Common questions about this position

What are the main responsibilities of the Analista de Crédito role?

The role involves economic-financial analysis of PJ and PF clients, reviewing registration documents like balance sheets and DRE, evaluating financial capacity to recommend credit, monitoring client portfolios, developing managerial reports, working on continuous improvement projects, and partnering with the commercial team.

What key skills are required for this position?

Required skills include knowledge of financial and accounting practices, financial analysis and reporting, and analytical thinking with techniques and tools.

What is the company culture like at Caterpillar Inc.?

Caterpillar has an inclusive culture that seeks equity, respects differences, and believes in people's potential, considering candidates with disabilities (PCDs) and diversity in gender, culture, ethnicity, religion, age, generation, race, nationality, and sexual orientation.

Is the position remote or office-based?

This information is not specified in the job description.

What is the salary or compensation for this role?

This information is not specified in the job description.

Caterpillar Inc.

Manufactures heavy machinery for various industries

About Caterpillar Inc.

Caterpillar Inc. designs and manufactures heavy machinery and equipment for industries such as construction, mining, energy, and rail. Their products include a wide range of machinery and engines that help clients complete large-scale projects. Caterpillar's equipment works by providing powerful tools that can perform tasks like digging, lifting, and transporting materials. What sets Caterpillar apart from its competitors is its strong aftermarket support, which includes maintenance and repair services, ensuring that their machinery remains efficient and reliable over time. The company's goal is to deliver high-quality products while also focusing on sustainability and community development through initiatives that improve education and reduce poverty.

Irving, TexasHeadquarters

1925Year Founded

$143.5KTotal Funding

IPOCompany Stage

Industrial & Manufacturing, Social Impact, AI & Machine LearningIndustries

10,001+Employees

Benefits

Annual incentive bonus plan

Medical, dental, and vision coverage

Paid time off plan (Vacation, Holiday, Volunteer, Etc.)

401k savings plan

Health savings account (HSA)

Flexible spending accounts (FSAs)

Disability benefits

Life Insurance

Parental leave

Healthy Lifestyle Programs

Employee Assistance Programs

Voluntary Benefits and Employee Discounts

Tuition Reimbursement

Career Development

Risks

Closure of Aurora office may impact regional economy and Caterpillar's reputation.

Partnership with Anti Social Social Club could dilute Caterpillar's industrial brand focus.

Advanced technology in Cat D8 dozer may face resistance from traditional customers.

Differentiation

Caterpillar's century-long history underscores its reliability and industry leadership.

The company integrates AI and IoT to enhance machinery performance and customer satisfaction.

Caterpillar's strong aftermarket services ensure product longevity and operational efficiency.

Upsides

Growing demand for autonomous equipment boosts Caterpillar's innovation in heavy machinery.

Expansion of 5G networks enhances Caterpillar's remote operation capabilities, improving safety.

Caterpillar's commitment to sustainability aligns with the global shift towards eco-friendly practices.

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