Credit Analyst

Caterpillar, Inc.; Santa Catarina; On-site; BRL 60,000 - 100,000; Full time

Job summary

Caterpillar in Santa Catarina seeks a Credit Analyst to evaluate commercial loan applications, review credit histories, analyze financial statements, assess cash flow, and prepare reports for loan decisions. You will work five days a week in the office and support senior management with clear recommendations, ensuring compliance with internal policies and regulations.

A Bachelor's in Finance, Accounting, or Economics and strong English are required.

Qualifications

• Bachelor's degree in Finance or related field
• Intermediated - Advanced English
• Strong financial statement analysis skills
• Understanding of credit risk and regulatory guidelines

Responsibilities

• Analyze financial statements, tax returns, and other documents to assess borrower risk.
• Review credit reports and payment histories to evaluate past behavior.
• Prepare comprehensive credit memos with recommendations for approval, modification or denial.
• Ensure analyses comply with internal guidelines and external regulations.
• Communicate findings clearly to senior management.

Skills

Financial statement analysis

Analytical thinking

Effective communications

Credit analysis

Education

Bachelor's degree in Finance/Accounting/Economics

Intermediated - Advanced English

Job description

MEX - Santa Catarina - CFSC

Full time

R

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.

Posting Dates

noviembre 4, 2026 - noviembre 11, 2026

Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply

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.

There's more to work at Caterpillar than just the work itself. We hire smart, friendly people and it shows in our culture. We hold ourselves to high standards and make sure our values of integrity, excellence, teamwork, commitment and sustainability come to life in the way we work. We make sure our employees feel continuously challenged while also supported. We provide professional growth opportunities, including leadership programs. We celebrate the diversity of our team, while also working together as one Caterpillar.

Our culture, like everything at our company, is made possible by each employee's contribution. Person by person, we create the environment we work in, and we are proud of the Caterpillar we've built.