Credit Analyst

Career Area: Finance 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 Summary: The 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. Responsibilities: Analyze 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. Ensure all credit analyses comply with internal guidelines and external regulations. Communicate findings and recommendations clearly to senior management. Educational Requirements: Bachelor’s degree in Finance, Accounting, Economics, or a related field (finished or in the last semester) Intermediated – Advanced English Skills You Will Have: Financial Statement Analysis: Works with balance sheets and income statements to evaluate credit worthiness. Explains the relationship between balance sheets, income statements, and cash flows in the analysis process. Examines financial statement for validity and general correctness, highlights problems or issues. Analytical Thinking: Approaches a situation or problem by defining the problem or issue and determining its significance. Make a systematic comparison of two or more alternative solutions. Effective Communications: Delivers helpful feedback that focuses on behaviors without offending the recipient. Listens to feedback without defensiveness and use it for own communication effectiveness. Make oral presentations and write reports needed for own work. Credit Analysis and Verification: List basic tools and techniques used to perform credit analysis. Describe the role and importance of credit analysis and verification. Additional Information Location: Santa Catarina, Nuevo Leon This position is five-day a week in-office model. Sponsorship for foreign candidates is not available. Domestic Relocation assistance is not available for this position. Do not forget to include a resumé in English in your profile in Workday. Final details: Please 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 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. This position requires working onsite five days a week. Visa Sponsorship is not available for this position. Posting Dates: noviembre 4, 2026 - noviembre 11, 2026 Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply Not ready to apply? Join our Talent Community .