A credit analyst's job entails evaluating an individual's or company's creditworthiness to estimate the chance that they will meet their financial obligations. Credit analysts examine a borrower's previous financial and credit history to gauge their financial health and ability to repay credit granted by a lender. The credit analyst obtains vital financial information and assesses it using financial ratios while analyzing a borrower's financial health. They can also use the ratios to compare to industry benchmarks to determine whether a borrower's cash flow is sufficient to repay the loan. Credit analysts are employed to work in the field of credit risk analysis, where they must analyze the financial state of new and existing clients to identify their level of risk and provide suggestions to the organization. To break into the field of credit analyzers, at least a bachelor's degree is required. This degree should be in a business-related discipline such as finance, accounting, or management.

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