Restructure Analyst - Cat Card

Caterpillar Inc.; Nashville (TN); On-site; USD 74,000 - 119,000; Full time

Benefits offered by this job

Medical, dental, vision benefits

Paid time off (vacation, holidays)

401(k) savings plan

Health Savings Account (HSA)

Flexible Spending Accounts (FSAs)

Career development

Incentive bonus

Parental leave

Tuition reimbursement

Job summary

Caterpillar Inc. is seeking a detail-oriented professional for an onsite role at the Nashville Cat Financial head office. You will assist customers with credit restructuring, negotiate approvals, and coordinate with internal teams to resolve discrepancies.

The role emphasizes data gathering, analytical thinking, and superior customer service to support financial distress solutions and ensure accurate documentation across daily activities.

Qualifications

• Data gathering, analysis tools and processes to synthesize data from stakeholders.
• Operational knowledge of major processes and operating requirements.
• Strong focus on customer service concepts and meeting needs.
• High accuracy and attention to detail in task execution.
• Analytical thinking to identify root causes and propose solutions.
• Clear, effective communication to convey needs and results.
• Ability to manage multiple priorities and allocate time efficiently.
• Proactive problem solving to address organizational or process issues.

Responsibilities

• Assist customers with contract modifications and payment relief for unsecured accounts.
• Collaborate with internal teams to research and resolve transaction discrepancies.
• Execute daily quoting, documentation, booking and credit restructure activities.
• Negotiate approvals for credit restructure submissions with customers and partners.

Skills

Data gathering

Analysis

Operational functions

Service excellence

Accuracy & detail

Analytical thinking

Effective communications

Managing multiple priorities

Problem solving

Job description

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.

Career Area

Job Description:

Your Work Shapes the World at Caterpillar Inc.

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.

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.

About Cat Financial

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 cat.com to learn more about Cat Financial.

Role Definition

• Assists customers with contract modifications providing payment and non-payment relief on unsecured accounts.
  

Responsibilities

• Supporting customers in financial distress with innovative financial solutions.
• Working with internal departments to conduct research and resolve transaction discrepancies.
• Executes the daily quoting/documentation, booking and credit restructure approval and credit investigation activities for the department.
• Interact with customers and business partners to negotiate acceptable approval of credit restructure submissions.

Skill Required

• Data Gathering & Analysis: Knowledge of data gathering and analysis tools, techniques, and processes; ability to collect and synthesize data from a variety of stakeholders and sources in an objective manner to reach a conclusion, goal, or judgment.
• Operational Functions: Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations.
• Service Excellence: Knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.
• 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.
• Managing Multiple Priorities: Knowledge of effective self-management practices; ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation.
• Problem Solving: Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply knowledge of problem solving appropriately to diverse situations.

Additional Information

• Onsite 5 days per week based at the Nashville Cat Financial head office in Nashville, TN.

Compensation & Benefits

Summary Pay Range:
$74,124.00 - $118,608.00

Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.

Benefits

Subject to plan eligibility, terms, and guidelines. This is a summary list of benefits.

• Medical, dental, and vision benefits*
• Paid time off plan (Vacation, Holidays, Volunteer, etc.)*
• 401(k) savings plans*
• Health Savings Account (HSA)*
• Flexible Spending Accounts (FSAs)*
• Health Lifestyle Programs*
• Employee Assistance Program*
• Voluntary Benefits and Employee Discounts*
• Career Development*
• Incentive bonus*
• Disability benefits
• Life Insurance
• Parental leave
• Adoption benefits
• Tuition Reimbursement
• These benefits also apply to part-time employees

This Job Description is intended as a general guide to the job duties for this position and is intended for the purpose of establishing the specific salary grade. It is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of "essential job functions" as that term is defined by the Americans with Disabilities Act.

This position requires working onsite five days a week.

Visa Sponsorship is not available for this position.

Posting Dates

August 27, 2026 - September 3, 2026

Any offer of employment is conditioned upon the successful completion of a drug screen.

Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.