Credit Analyst

Building Texas… Powering the World . Since 1952, Mustang has proudly served the construction, oil & gas, power generation, marine, and manufacturing industries a s the authorized Caterpillar® dealer for Southeast Texas . Start your career with Mustang Cat - one of America's Greatest Midsize Workplaces of 2025! Now Hiring: Credit Analyst Houston, TX Mustang Cat is seeking a detail-oriented and analytical Credit Analyst to support our Credit & Collections team in Houston, TX.

In this role, you'll evaluate commercial and consumer credit applications, assess financial risk, establish credit limits, and help support business growth while protecting the company's financial interests. This is an excellent opportunity for an experienced credit professional who enjoys independent decision-making, problem-solving, and working in a fast-paced business environment.

Mustang Cat offers: Great Work-Life Balance Job Stability + Career Growth Opportunities Comprehensive Benefits Package – Medical, Dental, Vision 401(k) with Employer Match Tuition Reimbursement & Development Opportunities Paid Time Off & Holidays What You'll Do as a Credit Analyst: As a Credit Analyst, you'll play an important role in evaluating customer creditworthiness, managing financial exposure, and supporting our sales and rental operations.

Key Responsibilities

Review and evaluate commercial and eligible consumer credit applications to determine creditworthiness and appropriate credit limits. Analyze business and consumer credit reports using Dun & Bradstreet, Experian, Micro. Bilt, and similar platforms. Review financial statements, cash flow, payment histories, trade references, and other financial information to assess credit risk.

Approve, decline, or recommend credit terms and limits within established authority. Evaluate existing customer accounts and recommend credit limit adjustments based on payment performance and financial condition. Monitor accounts for potential credit risks, including delinquent balances, bankruptcies, liens, and other financial concerns.

Review equipment release requests to verify payment, financing, and documentation requirements have been satisfied. Partner with Sales teams, Credit & Collections leadership, and internal departments to support timely credit decisions. Maintain accurate credit records and documentation while ensuring compliance with company policies and applicable regulations.

Identify opportunities to improve credit processes, reduce financial exposure, and support operational efficiency.

What We're Looking For

3–5 years of experience in commercial credit analysis, underwriting, or credit decision-making. Experience evaluating commercial and consumer credit information. Strong understanding of financial statements, credit reports, payment trends, and financial risk assessment. Familiarity with Dun & Bradstreet, Experian Business, Micro.

Bilt, or similar credit reporting platforms. Proficiency in Microsoft Excel and strong analytical and problem-solving skills. Ability to make sound, independent credit decisions while managing multiple priorities. Excellent communication, organizational, and relationship-building skills.

Preferred Qualifications

Bachelor's degree in Finance, Accounting, Business Administration, or a related field. 5+ years of relevant credit analysis experience. Experience in heavy equipment, construction, equipment rental, industrial distribution, or equipment financing. Knowledge of UCC filings, secured transactions, personal and corporate guarantees, and accounts receivable aging.

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