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Caterpillar, Inc. Credit Analyst in Karnataka, India

Credit Analyst

Description

JOB SUMMARY: Carry out the activities necessary toprovide credit to customers with acceptable limits of risk to the company.Negotiate financial transactions of moderatecomplexity,and prepare transactions for documentation and funding within limitsof authority, and assisting in the administration of wholesale and retailcustomer "loan" covenant compliance reviews, including on-site recordand physical machine/inventory audits.

PRINCIPAL DUTIES AND RESPONSIBLITIES:

  • Negotiates complex financialtransactions and prepares transactions for documentation and funding withinlimits of authority.Negotiates changesin standard documents with legal assistance.Assists in administration of wholesale and retail customer "loan"covenant compliance reviews, including on-site record and physicalmachine/inventory audits.

  • Determines CFSC customer creditworthiness, approves/rejects CFSC customer deals within approved creditauthority, recommends deals beyond credit authority, and restructures customerdeals.Conducts and monitors creditinvestigations.Assists in leading thedocumentation of retail accounts receivable and administers in-processing,signing, and funding of documented transactions.Assists in managing accounting input andaudits booked deals for accuracy.Mayprovide training for employees in the areas of credit, documentation, andin-processing.

  • Participates in accomplishment ofcontinuous improvement objectives for the department.Progress toward accomplishment of these ismeasured through maintenance of necessary measurements and analysis of associateddata.Participates in the identificationof problem areas and development of resolutions to address them.

  • Understands the Harassment policy of thecompany and is responsible for its application in all aspects of employment.

Qualifications

JOB REQUIREMENTS:

SKILLS, ABILITIES, AND KNOWLEDGE:

  • Thorough knowledge of and demonstratedability to apply math computation skills.

  • Knowledge of and ability to analyzecustomer credit summaries and past due accounts.

  • Thorough knowledge of and demonstratedability to apply financing and taxation principles.

  • Thorough knowledge of and demonstratedability to calculate casualty values and amortization schedules.

  • Thorough knowledge of Caterpillarproducts, their applications and their markets.

  • Thorough knowledge of credit conceptsand techniques.

  • Knowledge of financing and leasingproducts of the subsidiary.

  • Knowledge of and ability to apply pastdue account collection techniques.

  • Thorough knowledge of financing andleasing documentation principles.

  • Knowledge ofbilling, invoicing and dealer payment principles and concepts.

  • Knowledge ofsecurity filing requirements and their applicability to bankruptcy laws andregulations.

  • Knowledge ofmarketing, credit and customer services concepts and techniques.

  • Ability to applyeffective oral, written, and listening communication skills with dealers,customers, company personnel, and the financial community.

  • Ability tooperate office equipment including a telephone system, financial calculator,and desktop/laptop computers.

  • Ability to applydata collection and analysis skills.

  • Ability toprepare marketing reports and marketing related statistical reports.

EDUCATION/EXPERIENCE: A 4-year university degree orequivalent diploma and a minimum of 2 years exempt experience in credit,collections, marketing and/or financial statement analysis is recommended.Equivalent experience may be substituted foreducation.

Job Finance

Primary Location India-Karnataka-Bangalore

Req ID: 1900034A

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