{"id":3870622,"url":"https://alion.io/job/caterpillar-credit-analyst-3","title":"Credit Analyst","company":{"id":176554,"name":"Caterpillar","domain":"caterpillar.com","url":"https://alion.io/company/caterpillar","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"A","score":96,"open_postings":156,"ghost_share":0,"stale_share":0.135,"repost_share":0.026,"time_to_fill_p50_days":31,"computed_at":"2026-11-10T06:52:35Z"}},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Santa Catarina, Mexico"],"countries":["MX"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-11-04T00:00:00Z","employer_posted_date":"2026-11-04","last_verified_at":"2026-11-10T10:38:41Z","board_verified":true,"closed_at":null,"days_open":6,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":6},"description":"Career Area:\nFinanceJob Description:\nYour Work Shapes the World at Caterpillar Inc.\nWhen 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.\nJob Summary:\nThe Credit Analyst is responsible for evaluating commercial loan applications to determine the creditworthiness of potential borrowers. This role involves conducting thorough reviews of applicants’ credit histories, analyzing financial statements, assessing cash flow, and identifying potential risks. The analyst prepares credit reports and recommendations to support loan approval decisions, ensuring compliance with internal policies and regulatory requirements.\nResponsibilities:\nAnalyze financial statements, tax returns, and other relevant documents to assess borrower capacity and credit risk.\nReview credit reports and payment histories to evaluate past financial behavior.\nPrepare comprehensive credit memos with recommendations for approval, modification, or denial of loan requests.\nEnsure all credit analyses comply with internal guidelines and external regulations.\nCommunicate findings and recommendations clearly to senior management.\nEducational Requirements:\nBachelor’s degree in Finance, Accounting, Economics, or a related field (finished or in the last semester)\nIntermediated - Advanced English\nSkills You Will Have:\nFinancial Statement Analysis:\nWorks with balance sheets and income statements to evaluate credit worthiness.\nExplains the relationship between balance sheets, income statements, and cash flows in the analysis process.\nExamines financial statement for validity and general correctness, highlights problems or issues.\nAnalytical Thinking:\nApproaches a situation or problem by defining the problem or issue and determining its significance.\nMake a systematic comparison of two or more alternative solutions.\nEffective Communications:\nDelivers helpful feedback that focuses on behaviors without offending the recipient.\nListens to feedback without defensiveness and use it for own communication effectiveness.\nMake oral presentations and write reports needed for own work.\nCredit Analysis and Verification:\nList basic tools and techniques used to perform credit analysis.\nDescribe the role and importance of credit analysis and verification.\nAdditional Information\nLocation: Santa Catarina, Nuevo Leon\nThis position is five-day a week in-office model.\nSponsorship for foreign candidates is not available.\nDomestic Relocation assistance is not available for this position.\nDo not forget to include a resumé in English in your profile in Workday.\nFinal details:\nPlease frequently check the email associated with your application, including the junk/spam folder, 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 updates to your status.\nThe Caterpillar Code of Conduct states that we will select and place employees based on their qualifications for the job to be performed, without regard to race, religion, national origin, color, gender identity, sexual orientation, age or disability. In this company we do not request pregnancy tests, nor HIV tests as requirements for employment entry, permanence or promotion.\nThis position requires working onsite five days a week.Visa Sponsorship is not available for this position.Posting Dates:\nnoviembre 4, 2026 - noviembre 11, 2026Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply\nNot ready to apply? Join our Talent Community.","description_format":"text","description_chars":3918,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[{"language":"English","level":"Advanced (C1)","optional":false}]},"benefits":["Relocation assistance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":true,"industries":["Industrial Machinery"],"lifecycle":[{"event":"open","at":"2026-11-06T14:16:30Z"}],"visa":[{"country":"MX","licensed_sponsor":false,"adverts_offering_sponsorship_24m":2,"sanctioned_now":false,"evidence":"Offered visa sponsorship in 2 of its adverts here in 24 months","filings_12m":null,"filings_prev_12m":null,"green_card_filings_12m":null,"median_offered_wage_usd":null,"route":null,"cap_exempt":false,"checked_at":"2026-11-09T07:32:21+00:00","sources":["Alion: sponsorship offered in the employer's own job adverts (24 months)"],"filings_for_role_12m":0}],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":6,"expected_fill_days":31,"reasons":["conf:2","velocity","win:early","comp:brand"],"computed_at":"2026-11-10T06:52:35Z"},"pay":null,"html_url":"https://alion.io/job/caterpillar-credit-analyst-3","json_url":"https://alion.io/job/caterpillar-credit-analyst-3.json","meta":{"generated_at":"2026-11-10T11:01:00Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":25521,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-11T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":176554},"rest":"https://alion.io/mcp/rest/get_company?id=176554"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcaterpillar-credit-analyst-3"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcaterpillar-credit-analyst-3"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcaterpillar-credit-analyst-3"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/caterpillar-credit-analyst-3\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcaterpillar-credit-analyst-3"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3870622}},{"tool":"search_jobs","arguments":{"company":"caterpillar.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3870622},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. Docs: https://alion.io/developers"}}