Credit analysis

Credit analysis
The process of analyzing information on companies and bond issues in order to estimate the ability of the issuer to live up to its future contractual obligations. Related: default risk

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credit analysis UK US noun [C or U] (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)
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A credit analyst believes the company is 30 times more likely to default on its debts than it was seven months ago.


Financial and business terms. 2012.

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  • Credit analysis — is the method by which one calculates the creditworthiness of a business or organization. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of …   Wikipedia

  • credit analysis — Evaluating information on companies and bond issues in order to estimate the ability of the issuer to live up to its future contractual obligations. Related: default risk. Bloomberg Financial Dictionary * * * credit analysis credit analysis ➔… …   Financial and business terms

  • Credit Analysis — A type of analysis an investor or bond portfolio manager performs on companies or other debt issuing entities encompassing the entity s ability to meet its debt obligations. The credit analysis seeks to identify the appropriate level of default… …   Investment dictionary

  • Judgmental Credit Analysis — A method of approving or denying credit based on the lender s judgment rather than on a particular credit scoring model. Judgmental credit analysis entails evaluating the borrowers application and using prior experience dealing with similar… …   Investment dictionary

  • analysis — a‧nal‧y‧sis [əˈnælss] noun analyses PLURALFORM [ siːz] [countable, uncountable] 1. a careful examination of something in order to understand it better: • The researchers carried out a detailed analysis of recent trends in share prices. •… …   Financial and business terms

  • credit analyst — ➔ analyst * * * credit analysis UK US noun [C or U] (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… …   Financial and business terms

  • International Bank Credit Analysis —   A company which rates the credit worthiness of banks. See also Bank Research for Eastern Europe, European Bank for Reconstruction and Development, Euronotation and Standard & Poor …   International financial encyclopaedia

  • Comparative credit analysis — A method of analysis in which a firm is compared to others that have a desired target debt rating in order to infer an appropriate financial ratio target. The New York Times Financial Glossary …   Financial and business terms

  • Credit spread (options) — Finance Financial markets Bond market …   Wikipedia

  • Credit risk — Categories of financial risk Credit risk Concentration risk Market risk Interest rate risk Currency risk Equity risk Commodity risk Liquidity risk Refinancing risk …   Wikipedia

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