Restructure Analyst - Credit Team

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.

The Role:

• Serve as a trusted financial solutions partner for customers experiencing financial difficulty or seeking alternative payment arrangements analyzing customer situations, coordinate with credit, legal, collections, and operations teams, and support restructuring solutions that protect customer relationships while managing portfolio risk. This role combines finance, credit analysis, customer support, negotiation, and problem-solving expertise to deliver positive customer and business outcomes.

What You Will Do:
Customer Financial Solutions

• Support customers experiencing financial distress through customized restructuring and relief programs.
• Evaluate customer circumstances and identify creative contract modification solutions.
• Assist customers with payment and non-payment relief alternatives.
• Promote customer retention through proactive financial problem solving.

Credit & Risk Management

• Execute quoting and credit restructuring activities.
• Support credit investigation and approval processes.
• Gather and analyze financial and transaction-related information.
• Escalate high-risk situations when appropriate.

Stakeholder Collaboration

• Work closely with Credit, Collections, Customer Service, Legal, Operations, and Sales teams.
• Research and resolve transaction discrepancies.
• Communicate restructuring recommendations and decisions clearly.
• Coordinate activities across internal departments to achieve timely resolutions.

Customer & Dealer Communication

• Negotiate acceptable restructuring solutions with customers and business partners.
• Respond to customer inquiries with professionalism and urgency.
• Build strong relationships with internal and external stakeholders.
• Deliver exceptional customer experiences throughout the resolution process.

What You Will Bring: 
Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Banking, or a related field; or equivalent professional experience.
• Strong analytical, problem-solving, and customer relationship management skills.
• Experience interpreting financial information, contracts, and supporting documentation.
• Demonstrated ability to manage multiple priorities while maintaining exceptional attention to detail.
• Excellent written and verbal communication skills with the ability to negotiate and influence outcomes.
• Proficiency with Microsoft Excel and financial systems.

Preferred Qualifications

• Moody's Credit Certification (MCC) achieved or actively working toward certification.
• Previous credit analysis, commercial credit, underwriting, lending, collections, portfolio management, or financial risk management experience.
• Experience in commercial banking, equipment finance, leasing, captive finance, or financial services organizations.
• Knowledge of credit restructuring, loan modifications, customer workouts, or special assets management.
• Experience reviewing financial statements and assessing customer creditworthiness.
• Understanding of risk management principles and portfolio performance metrics.
• Prior experience negotiating customer payment arrangements or restructuring solutions.

Compensation & Benefits:

Summary Pay Range:

$74,124.00 - $118,608.00

Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.

Benefits:

Subject to plan eligibility, terms, and guidelines. This is a summary list of benefits.

• Medical, dental, and vision benefits*
• Paid time off plan (Vacation, Holidays, Volunteer, etc.)*
• 401(k) savings plans*
• Health Savings Account (HSA)*
• Flexible Spending Accounts (FSAs)*
• Health Lifestyle Programs*
• Employee Assistance Program*
• Voluntary Benefits and Employee Discounts*
• Career Development*
• Incentive bonus*
• Disability benefits
• Life Insurance
• Parental leave
• Adoption benefits
• Tuition Reimbursement

* These benefits also apply to part-time employees

This position requires working onsite five days a week.

Visa Sponsorship is not available for this position.

Posting Dates:

October 13, 2026 - October 20, 2026

Any offer of employment is conditioned upon the successful completion of a drug screen.   

Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities.  Qualified applicants of any age are encouraged to apply.

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