Career Area:
Finance
Job Description:
Your Work Shapes the World at Caterpillar Inc.

When you join Caterpillar, you're joining a integral 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:
Evaluates credit requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.

What You Will Do:
- Evaluating Creditworthiness: Analyzes financial statements, credit reports, and other documents to assess the creditworthiness of loan applicants.
- Assessing Risk: Identifies potential risks associated with lending, such as default risk, market risk, and credit risk.
- Calculating Financial Ratios: Calculates financial ratios, such as debt-to-income and debt-to-equity,



to evaluate an applicant's creditworthiness.
- Recommendations: Presents recommendations to management or a credit committee on whether to approve or reject a loan application.

What 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 effec

📌 Credit Analyst (Santa Catarina)
🏢 Caterpillar
📍 Santa Catarina