Senior Credit Analyst

Caterpillar; Metropolitan Borough of Solihull; On-site; GBP 45,000 - 59,000; Full time

Job summary

Join an innovative firm as a Senior Credit Analyst, where your analytical skills and finance expertise will shape the future of financial solutions. In this role, you'll evaluate loan requests, assess credit risks, and provide critical insights that drive strategic decisions. With a commitment to diversity and inclusion, this company fosters an environment where your contributions are valued. Enjoy a competitive salary, generous benefits, and opportunities for professional growth while working in a collaborative atmosphere that prioritizes respect and innovation.

Benefits

24 days annual leave

11% performance bonus

Green Car Scheme

Share Scheme

Non-contributory Pension Scheme 10%

Private Medical Insurance

Dental and Vision Scheme

Life Insurance

Qualifications

• Proven experience in financial institutions or asset finance companies.
• Strong analytical abilities and proficiency in data analysis tools.

Responsibilities

• Evaluate commercial loan requests and analyze financial statements.
• Consult with customers and resolve inquiries and complaints.

Skills

Finance and Accounting

Risk Management

Accuracy and Attention to Detail

Analytical Thinking

Effective Communications

Collateral Management

Credit Analysis and Verification

Financial Statement Analysis

Job description

Career Area:

Finance

Job Description:

Your Work Shapes the World at Caterpillar Inc.

When you join Caterpillar, you'rejoining 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'tjust 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.

Our common values and focus on inclusion and respect drive the decisions made by our company, teams, and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.

Cat Financial is a subsidiary of Caterpillar Inc., the world’s leading manufacturer of construction and mining equipment, off-highway diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. For more than 40 years, Cat Financial has provided a wide range of financing solutions to customers and Cat dealers for machines, engines, Solar gas turbines, genuine Cat parts and services. Headquartered in Nashville, Tennessee, Cat Financial serves customers globally with offices and subsidiaries located throughout North and South America, Asia, Australia, Europe, and Africa. Visit Choose Cat Equipment Financing From Cat Financial | Cat | Caterpillar to learn more about Cat Financial.

The Role:

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

What You Will Do:

• 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' financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications.

What You Can Demonstrate:

• Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
• Risk Management: Knowledge of processes, tools and techniques for assessing and controlling an organization's exposure to risks of various kinds; ability to apply knowledge of risk management appropriately to diverse situations.
• Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
• Analytical Thinking: Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems.
• Effective Communications: Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
• Collateral Management: Knowledge of the concepts, objectives, tools and methods used in collateral management; ability to implement and develop collateral strategies for risk control and profit management.
• Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant.
• Financial Statement Analysis: Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit-worthiness of a business enterprise

Top Candidates Will have:

• Industry Knowledge:
  Top candidates will experience in financial institutions or asset finance companies. This includes familiarity with the unique challenges and opportunities within these sectors, such as regulatory compliance, risk management, and financial product development. Candidates should have a deep understanding of the financial landscape and be able to leverage their industry knowledge to contribute to the company's strategic goals.
• Strategic Commercial Mindset:
  Candidates should have the ability to think strategically and possess a commercial mindset. This includes identifying opportunities for business growth, developing strategies to capitalise on these opportunities, and driving the overall success of the organisation. The candidate should be able to assess market conditions, understand competitive dynamics, and develop innovative solutions to meet customer needs. They should also be skilled in financial modelling, business planning, and performance analysis to support strategic initiatives and achieve commercial objectives.
• Analytical Skills:
  The ideal candidate should possess strong analytical abilities, with a proven track record of diving deep into numbers and data to uncover insights and drive decision-making. This involves proficiency in data analysis tools and techniques, the ability to interpret complex datasets, and the skill to translate data findings into actionable business strategies. The candidate should be adept at identifying trends, patterns, and anomalies in data, and using this information to inform business decisions and optimise performance.
• Leadership Skills:
  Proven previous leadership experience in successfully leading, developing, and motivating teams to achieve objectives; may be satisfied with a team lead, project lead, or supervisory experience will be an advantage.

What will Caterpillar do for you?

Job Title: Senior Credit Analyst

Salary: £45,066.00 - £58,585.00 (Depending on experience)
Contract: Permanent.
Hours: In office Monday - Friday, full time 37.5 hours.
Benefits:
24 days annual leave increasing with service to 30 days,
11% performance bonus (Paid quarterly)
Green Car Scheme
Share Scheme
Non-contributory Pension Scheme 10%
Private Medical Insurance
Dental and Vision Scheme
Life Insurance
Travel: 15%
Job reference: R0000301719

Caterpillar is an Equal Opportunity Employer and considers applicants for all positions without regard to race, colour, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws.

Caterpillar is committed to creating a dynamic work environment that values diversity and inclusion, respect and integrity, customer focus, and innovation. For more information, visit https://www.caterpillar.com/en/careers/why-caterpillar.html

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Posting Dates:

April 28, 2025 - May 12, 2025

Caterpillar is an Equal Opportunity Employer (EEO).

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