A Credit Analyst is a financial professional who evaluates the creditworthiness of individuals or businesses. They analyze financial data, credit reports, and other relevant information to determine the risk of lending money or extending credit. Their assessments help banks and financial institutions make informed decisions about loans and credit lines. In their role, Credit Analysts often use various tools and software to assess financial health. They may also prepare reports and present their findings to management. Their work is crucial in minimizing financial risk and ensuring that lending practices are sound and responsible.