Credit Analyst at Caterpillar Inc.

Yokohama, Kanagawa, Japan

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Not SpecifiedCompensation

Entry Level & New Grad, Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Finance, ManufacturingIndustries

Requirements

Degree or equivalent experience desired
Basic Understanding of Finance and Accounting: Describes the purpose of basic financial reports; explains basic practices for financing projects; states local financial tracking and reporting requirements; explains basic financial and accounting concepts and terminology
Working Knowledge of Service Excellence: Provides a quality of service that customers describe as excellent; resolves common customer problems; responds to unexpected customer requests with a sense of urgency and positive action; provides direct service to internal or external customers; documents customer complaints in a timely manner
Working Knowledge of Accuracy and Attention to Detail: Accurately gauges the impact and cost of errors, omissions, and oversights; utilizes specific approaches and tools for checking and cross-checking outputs; processes limited amounts of detailed information with good accuracy; learns from mistakes and applies lessons learned; develops and uses checklists to ensure that information goes out error-free
Working Knowledge of Analytical Thinking: Approaches a situation or problem by defining the problem or issue and determining its significance; makes a systematic comparison of two or more alternative solutions; uses flow charts, Pareto charts, fish diagrams, etc. to disclose meaningful data patterns; uses logic and intuition to make inferences about the meaning of the data and arrive at conclusions; identifies the major forces, events, and people impacting and impacted by the situation at hand
Working Knowledge of Effective Communications: Delivers helpful feedback that focuses on behaviors without offending the recipient; listens to feedback without defensiveness and uses it for improvement

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
Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications

Skills

Key technologies and capabilities for this role

financial analysiscredit analysisfinancial statementsrisk assessmentaccounting practicescustomer serviceloan evaluation

Questions & Answers

Common questions about this position

What is the employment type for the Credit Analyst position?

The position is full time.

Is a degree required for the Credit Analyst role?

A degree or equivalent experience is desired.

What key skills are needed for this Credit Analyst position?

Key skills include basic understanding of finance and accounting, working knowledge of service excellence, accuracy and attention to detail, and analytical thinking.

What is the company culture like at Caterpillar Inc.?

Caterpillar emphasizes a global team that cares about each other, innovation, problem-solving, and building sustainable communities together.

What makes a strong candidate for the Credit Analyst role?

Strong candidates demonstrate proficiency in reviewing credit histories, analyzing financial statements, customer service excellence, accuracy, and analytical thinking to assess loan risks.

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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