Credit Analyst (Commercial Credit)

Location: Nashville, Tennessee; onsite in the Nashville main office five days per week.

Salary: $74,124.00–$118,608.00 per year.

Company

Cat Financial is a hirify.global subsidiary providing financing solutions for hirify.global customers and dealers globally, with offices and subsidiaries across North and South America, Asia, Australia, Europe, and Africa.

What you will do

• Analyze commercial loan applications, borrower financial condition, credit history, cash flow, liquidity, repayment capacity, and overall lending risk.
• Review financial statements and other financial information to assess performance, profitability, liquidity, creditworthiness, and risk indicators.
• Prepare clear credit analyses and risk reports, and recommend approval or denial of commercial loan requests.
• Verify customer and loan information, maintain accurate records in loan origination systems, and follow lending and documentation policies.
• Communicate with customers to clarify financial information, verify transactions, answer questions, and address loan-process concerns.
• Coordinate with credit associations and internal teams to validate information, support efficient loan origination, and improve workflows.

Requirements

• Bachelor’s degree or equivalent relevant experience preferred.
• Experience or foundational knowledge in commercial credit, banking, lending, finance, accounting, or financial analysis preferred.
• Working knowledge of balance sheets, income statements, cash flow statements, finance and accounting concepts, commercial credit analysis, verification practices, and commercial loan origination processes.
• Ability to evaluate financial information for accuracy, identify trends and potential concerns, assess creditworthiness, and identify factors affecting borrower risk.
• Ability to verify borrower information, maintain accurate application records, prepare credit risk information, and work within established lending policies, procedures, and systems.
• Strong analytical and problem-solving skills, high attention to detail, and ability to identify inconsistencies, omissions, and potential risk indicators.
• Strong written and verbal communication skills, including the ability to explain financial or credit information clearly and document findings, recommendations, and customer interactions accurately.
• Ability to respond professionally and promptly to customer questions and concerns, with a strong service orientation toward internal and external customers.

Culture & Benefits

• Onsite work in the Nashville main office five days per week.
• Flexible Spending Accounts, health lifestyle programs, employee assistance, voluntary benefits, and employee discounts.
• Career development, tuition reimbursement, incentive bonus, disability and life insurance.
• Parental leave and adoption benefits.
• Employment is conditioned upon successful completion of a drug screen.
• Visa sponsorship is not available for this position.