credit analysis
noun [ C or U ]
ukusplural 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.