Industries & Professions /
Credit analysts typically concentrate on one of two different areas. Commercial and business analysts evaluate risks in business loans; consumer credit analysts evaluate personal loan risks. In both cases an analyst studies financial documents such as a statement of assets and liabilities submitted by the person or company seeking the loan and consults with banks and other financial institutions that have had previous financial relationships with the applicant. Credit analysts prepare, analyze, and approve loan requests and help borrowers fill out applications.