**Career Area:** Finance **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. Cat Financial (Financial Products Division) help our customers, dealers and Caterpillar succeed through financial services solutions. We are the financial arm of Caterpillar Inc. headquartered in Nashville, Tennessee, with offices and subsidiaries located throughout North and South America, Asia, Africa, Australia and Europe. Cat Financial Japan is looking for a Credit & Operations Head. **Role Definition** Manages the loan origination process, including credit underwriting, documentation and booking to minimize risks, in accordance with established policies, procedures and guidelines. **Responsibilities** • Manages credit investigation activities, including credit analysis, evaluation and the rating of customers. • Leads the financial analysis and risk assessment of new accounts; oversees the underwriting, documentation and booking of loan packages. • Oversees existing workflow and finds opportunities to reduce cost and risks, while adhering to related policies and procedures. • Monitors negative credit trends and adverse signs in existing account quality; recommends preventive actions. **Degree Requirement** Degree or equivalent experience desired **Skill Descriptors** 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. Standard Operating Procedures: Knowledge of established standard operating procedures (SOP); ability to design, implement and evaluate standard operating procedures affecting daily and strategic business operations in order to increase operational efficiency. Accuracy and Attention to Detail: Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision. 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. Financial Services Applications: Knowledge of a specific financial services application, associated systems and sub-systems; ability to use financial services applications for delivery of services to internal and external clients. 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. Knowledge of Loan Underwriting: Knowledge of loan underwriting activities, practices and tools; ability to utilize loan underwriting tools to implement, manage and improve the underwriting process for a financial institution. **This position requires the candidate to work a 5-day-a-week schedule in the office.** **Posting Dates:** June 16, 2025 - June 29, 2025 Caterpillar is an Equal Opportunity Employer. Not ready to apply? Join our Talent Community (http://flows.beamery.com/caterpillarinc/talcom) .