Credit analysts are financial professionals who evaluate 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 other lenders make informed decisions about loans and credit lines. These analysts often work for banks, credit unions, or investment firms, and their insights are crucial for managing financial risk. By understanding the financial health of borrowers, credit analysts help ensure that lending practices are safe and profitable, ultimately contributing to the stability of the financial system and the economy as a whole.