Job Responsibility: Career Area: Finance :

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.

Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. 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.

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. Role Definition We are seeking an individual to join our Caterpillar Financial team in Canada as a Credit Manager overseeing the Originations division. In this role, main functions include oversight of the credit adjudication process, evaluation of creditworthiness, as well as management of the credit risk of our portfolio and funding practices to ensure financial stability and compliance with regulatory standards. Manages credit investigation activities, including credit analysis, evaluation and rating of customers and dealers for all credit requests.

Leads financial analysis and risk assessment on new accounts; coordinates with underwriting and structuring of credit requests.

Oversees existing workflow and finds opportunities to reduce costs and risks, while adhering to related policies and procedures.





Oversees contract booking and funding practices through internal controls and supporting Sarbanes-Oxley and other regulatory compliance.

Monitors negative credit trends and adverse signs in existing account quality; Reviews and approves credit requests up to authorized credit authority limit.

Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending. Top candidates will be able to review all levels of credit, including Risk Management proposals.

Degree Requirement Degree or equivalent experience desired Skill DescriptorsCredit Analysis and Verification: Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant. Compares and contrasts different benchmarks and measures for assessing credit risks.

Trains others on alternative approaches and methodologies for credit analysis.

Conducts credit analysis for individuals and business entities.

Contributes to the establishment of best practices in credit analysis and verification.

Advises others on the use of technology in strategic credit analysis policy management.

Analyzes how credit decisions impact the customer.

Financial Statement Analysis: ability to analyze financial statement data and determine the credit-worthiness of a business enterprise. Evaluates financial statements for multiple industries and sizes of companies.

Directs the usage of all major financial analysis ratios.

Teaches others the difference between audited, un-audited, adjusted, and pro-forma reports.

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. Quantifies the costs, benefits, risks, and chances for success before recommending a course of action.

Risk Management:



Knowledge of processes, tools and techniques for assessing and controlling an organization's exposure to risks of various kinds; ability to apply knowledge of risk management appropriately to diverse situations. Produces and interprets common risk assessment and management reports.

Identifies common technology, security, or financial risks relevant to own function or unit.

Implements or manages risk management for own area.

Documents the key steps of a unit-specific risk management process and associated procedures.

Evaluates risk assessment models and techniques relevant to a specific line of business.

Knowledge of organizational compliance frameworks, their purpose, and risks of non-compliance; ability to design, implement, monitor, and review organizational compliance policies and procedures. Updates documentation with current national and local organizational compliance regulations.

Assists in the enforcement of organizational compliance policies and procedures.

Researches regulatory changes that are critical to maintaining organizational compliance.

Describes internal sources for gathering data on non-compliant processes and behaviors.

Assists in identifying areas of organizational risk that may result in non-compliance.

Summarizes key features of major products or services in own unit.

Assesses own unit's product alternatives, costs, and pricing.

Knowledge of successful negotiation concepts and techniques; Uses active listening and probing techniques to surface problems, issues, and interests.

Project Management: Knowledge of effective project management strategies and tactics; ability to plan, organize, monitor, and control projects, ensuring effective utilization of technical and administrative resources to achieve project objectives. Provides input for Gantt or PERT charts or their equivalent to track project progress and status.

Under guidance, plans and estimates simple projects.

Assists in detailed project plans including cost, schedule, and resource requirements.

Obtains information from stakeholders during the planning stage of a project.

Produces standard project status reports.

Relocation and sponsorship not offered.

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📌 Credit Manager - Construction F/H (Burlington)
🏢 Caterpillar
📍 Burlington