• Credit analysts analyze investments and the creditworthiness of borrowers to determine their potential risk to investors and lenders.
  • They study financial statements and use ratios when analyzing a potential borrower’s financial history.
  • Credit analysts are usually employed by commercial and investment banks, credit card institutions, credit rating agencies and investment companies.
  • Credit analysts are often referred to as credit risk analysts because credit analysis is a specialized area of financial risk analysis.
  • Debt issuers and their instruments are assigned scores based on letter ratings from credit analysts.