Meaning of “credit analysis” in the English Dictionary

"credit analysis" in Business English

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credit analysisnoun [ C or U ]

uk us plural credit analyses also credit appraisal

FINANCE, BANKING a calculation of the risk of lending money to a particular person, company, or government based on their ability to pay it back:

The company was facing charges it had lent money to two subsidiaries without doing proper credit analyses.
credit analyst
noun [ C ] also credit appraiser

A credit analyst believes the company is 30 times more likely to default on its debts than it was seven months ago.

(Definition of “credit analysis” from the Cambridge Business English Dictionary © Cambridge University Press)