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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.