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.
Your Impact 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.
We are seeking a skilled Credit Analyst to join our India - Credit Support Manager - Caterpillar Financial Services India Private Limited Division.
The preference for this role is to be based out of Bangalore – Caterpillar PSN
What you will do
- Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications
- 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' risk profile for commercial loans; recommends approval or denial of loan applications.
What you will have
- Degree or equivalent experience desired
- This position requires the employee to work a 5-day-a-week schedule in the office.
Skill Descriptors
Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
Level Basic Understanding:
• Describes the purpose of basic financial reports.
• Explains basic practices for financing projects; gives examples.
• States local financial tracking and reporting requirements.
• Explains basic financial and accounting concepts and terminology.
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.
Level Working Knowledge:
• Provides a quality of service that customers describe as excellent.
• Resolves common customer problems.
• Responds to unexpected customer requests with a sense of urgency and positive action.
• Provides direct service to internal or external customers.
• Documents customer complaints in a timely manner.
Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
Level Working Knowledge:
• Accurately gauges the impact and cost of errors, omissions, and oversights.
• Utilizes specific approaches and tools for checking and cross-checking outputs.
• Processes limited amounts of detailed information with good accuracy.
• Learns from mistakes and applies lessons learned.
• Develops and uses checklists to ensure that information goes out error-free.
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.
Level Working Knowledge:
• Approaches a situation or problem by defining the problem or issue and determining its significance.
• Makes a systematic comparison of two or more alternative solutions.
• Uses flow charts, Pareto charts, fish diagrams, etc. to disclose meaningful data patterns.
• Uses logic and intuition to make inferences about the meaning of the data and arrive at conclusions.
• Identifies the major forces, events, and people impacting and impacted by the situation at hand.
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.
Level Working Knowledge:
• Delivers helpful feedback that focuses on behaviors without offending the recipient.
• Listens to feedback without defensiveness and uses it for own communication effectiveness.
• Makes oral presentations and writes reports needed for own work.
• Avoids technical jargon when inappropriate.
• Looks for and considers non-verbal cues from individuals and groups.
Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant.
Level Basic Understanding:
• Identifies major tasks and responsibilities of credit analysis staff.
• Lists basic tools and techniques used to perform credit analysis.
• Describes the role and importance of credit analysis and verification.
• Clarifies the role of technology in credit analysis and verification.
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.
Level Working Knowledge:
• Works with balance sheets and income statements to evaluate credit worthiness.
• Selects examples of common red and green flags.
• Explains the roles of FASB and general accounting principles in the analysis process.
• Explains the relationship of balance sheets, income statements, and cash flows in the analysis process.
• Examines financial statement for validity and general correctness; highlights problems or issues.
Loan Origination: Knowledge of the skills, methods and technologies used to process new loan applications; ability to perform loan origination activities while adhering to established policies and procedures.
Level Working Knowledge:
• Performs customer service with regard to loan application processes.
• Verifies collected customer loan information to ensure accuracy.
• Prepares credit risk reports for management.
• Maintains and updates information in various application channels and loan origination systems.
• Participates in optimizing loan origination workflow.
What you will get:
- Work Life Harmony
- Earned and medical leave.
- Relocation assistance
Holistic Development
- Personal and professional development through Caterpillar ‘s employee resource groups across the globe
- Career developments opportunities with global prospects
Health and Wellness
- Medical coverage -Medical, life and personal accident coverage
- Employee mental wellness assistance program
Financial Wellness
- Employee investment plan
- Pay for performance -Annual incentive Bonus plan.
Additional Information:
Caterpillar is not currently hiring individuals for this position who now or in the future require sponsorship for employment visa status; however, as a global company, Caterpillar offers many job opportunities outside of the U.S. which can be found through our employment website at www.caterpillar.com/careers
Caterpillar is an Equal Opportunity Employer (EEO)
EEO/AA Employer. All qualified individuals, including minorities, females, veterans and individuals with disabilities - are encouraged to apply.
This position requires working onsite five days a week.Visa Sponsorship is not available for this position.
Posting Dates:
March 25, 2026 - April 7, 2026
Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply
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