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 to learn more about Cat Financial. Role Summary 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' 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 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. 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. Describes non-verbal behaviors that influence the interpretation of the message. Cites examples of effective and ineffective communications. Explains the importance of effective business communication. Speaks/writes using correct language, mechanics, and gestures. Credit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant. 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. Identifies major financial statements used for assessing the health of a business enterprise. Describes how financial statement analysis is used for making sound lending decisions. Describes major line items in a income statement and balance sheet. Lists major financial ratios and cites examples. 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. Describes the entire loan origination process. Identifies different characteristics of various types of loans. Lists the pros and cons of various loan application channels. Lists policies and procedures related to loan origination within one's own company. AI & Digital Skill : Possess specialized AI expertise and skills that can be effectively applied to optimize current workflows Final Details 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 Philippines, which can be found through our employment website at . About Caterpillar Caterpillar Inc. is 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 100 years, we’ve been helping customers build a better, more sustainable world and are committed and contributing to a reduced-carbon future. Our innovative products and services, backed by our global dealer network, provide exceptional value that helps customers succeed. Posting Dates: September 11, 2026 - September 24, 2026 Caterpillar is an Equal Opportunity Employer. Qualified applicants of any age are encouraged to apply Not ready to apply? Join our Talent Community .