About the role
Career Area:
FinanceJob 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.
Role Definition
Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications. The role acts as a risk gatekeeper and business enabler, balancing portfolio quality, regulatory compliance, and customer growth by providing timely, accurate, and well‑documented credit decisions.
Responsibilities
- Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.
- Ensure all credit decisions comply with global credit policy, local lending mandate and internal credit approval matrices.
- 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.
- Partner with Sales, Documentation, SSC, and Customer Service teams to ensure smooth end‑to‑end transaction execution.
Required Qualifications
Education
Bachelor’s degree in Finance, Accounting, Economics or related field
Experience
Demonstrated capability in commercial credit analysis, corporate banking, leasing, or captive finance. Strong ability to review and assess financial statements and commercial credit structures is required.
Skills & Competencies
Strong financial analysis and credit risk assessment skills.
Solid understanding of commercial lending products, collateral structures, and repayment schedules.
High attention to detail with strong documentation discipline.
Ability to balance risk control with business partnership.
Strong communication skills in both written and verbal form.
Business‑level English and Japanese proficiency.
Preferred / Advantageous
Experience in equipment finance, leasing, or manufacturer captive finance.
Familiarity with PD/CRR methodologies and portfolio risk management.
Experience working in a regulated or policy‑driven credit environment.
This position requires working onsite five days a week.Visa Sponsorship is not available for this position.
Posting Dates:
April 2, 2026 - April 16, 2026Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply
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Aplyr's read
Caterpillar Inc. is a powerhouse in heavy machinery and engine manufacturing, attracting skilled engineers, technicians, and specialists to innovate and support global operations.
What's promising
- •Caterpillar's strong global market presence ensures stability and growth opportunities.
- •Investment in research and development fosters innovation in machinery and technology.
- •Diverse roles across engineering, manufacturing, and support functions offer varied career paths.
What to watch
- •Cyclical nature of construction and mining industries can impact job security.
- •Complex global supply chains may face disruptions affecting operations.
- •Environmental regulations could increase operational costs and require adaptation.
Why Caterpillar
- •Caterpillar's focus on sustainable solutions sets it apart in heavy machinery.
- •Extensive global footprint supports international career opportunities.
- •Commitment to employee development through specialized training programs.
Aplyr’s read is generated by AI from public sources. Was it useful?
About Caterpillar
Caterpillar Inc. is a leading manufacturer of construction and mining equipment, diesel and natural gas engines, industrial gas turbines, and diesel-electric locomotives.
