Career Area:

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.

IT IS YOUR TIME!

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.

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. 

If you are looking for personal and professional growth, in a company with an inclusive culture, which seeks equity, respects differences and believes in people's potential, this is the right place. We consider people with disability candidates and those with diversity in gender, culture, ethnicity, religion, age, generation, race, nationality and sexual orientation.

Important: 

- Don’t forget to include a resumé in English in your profile in Workday

- Please frequently check the email associated with your application, including the junk/spam, as this is the primary correspondence method.  If you wish to know the status of your application, please use the candidate log-in on our career website as it will reflect any update s to your status.

Job Description:

Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.

What you will do:

- 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' and dealers’ financial status and the expected profitability of commercial loans; recommends approval or denial of loan applications.

- Participate in the local credit committee to explain and defend credit processes.

- Presential credit visits to customers throughout the Brazilian territory.

- Prepare credit write-ups of customers to submit them for Headquarters approval, and will eventually discuss with Risk Management team about those processes.

What you will have:

Finance and Accounting: Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.

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.

Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant; experience in credit underwriting and prepare credit reports.

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.

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.

Basic requirements:

- Bachelor’s degree

- Pre-advanced English

Top Candidates will also have:

- Experience in underwriting and preparing credit reports for agriculture businesses

- Advanced English

Some of the offered benefits*:

·Medical plan 

·Dental plan

·Medicines reimbursement 

·Psychological, Legal, Social and Finance Support Program

·Private pension plan

·Profit share

·Meal assistance 

·Christmas basket

·Life and personal insurance

·Extended maternity and paternity leave

·Employee resources group (Young Professional, Women in Networking, LAMBDA (LGBTQIA+), Latin Group and Active in Sport

*Caterpillar reserves the right to change or modify benefits at any time, subject prior notice and in compliance with legal requirements. Benefit elegibility may vary by position and location

The Recruitment & Selection area emphasizes that it does not use personal emails and/or emails from other domains (@gmail, @hotmail, etc.)  to contact candidates. Available vacancies are only advertised through the company's official channels (www.caterpillar.com/careers.html; https://www.linkedin.com/company/caterpillar-inc), and official Caterpillar emails are mandatory followed by the domain @cat.com. Also, the company does not request any type of payment (bank transfer, pix, etc.) for the purposes of the selection process. For more information click on the link: https://www.caterpillar.com/pt/careers/apply-now/help.html

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Posting Dates:

Caterpillar is an Equal Opportunity Employer (EEO).

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