Credit Analyst (1 Year Agency Contract)

Career Area: Enterprise Cross Functional 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. 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.

Summary 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. Support KYC and Customer Due Diligence (CDD) checks on corporate borrowers in line with Philippine KYC/AML requirements, working closely with compliance to keep onboarding accurate and audit ready. Support PPSR Registration Process.  Capable of taking on diverse assignments beyond current responsibilities to support smooth overall organizational operations What We Value Two things matter more to us than anything on paper: care and speed of learning. This role touches real credit decisions and real KYC/CDD checks, so we're looking for someone who works carefully and thoroughly rather than rushing — the kind of person who double-checks a number before it goes into a memo. At the same time, things move fast here, so we prioritize people who pick up new processes quickly and don't need to be shown twice. Familiarity with KYC/CDD requirements in the Philippines is a strong plus, but a sharp, careful mind that learns on the fly matters just as much. What You Have Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations. 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. Cites personal experiences of receiving excellent customer service. Describes examples of poor, mediocre, and excellent service. Explains how managing customer perceptions and expectations enhances customer service. Describes several important business benefits of providing high quality service. Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision. Accurately gauges the impact and