A Credit Risk Analyst evaluates the creditworthiness of borrowers, assessing financial data to identify potential risks affecting an organization’s lending decisions. Key responsibilities include analyzing credit reports, developing risk models, and monitoring industry trends. Required skills involve strong analytical abilities, proficiency in financial software, and a background in finance or economics. Analysts typically work in financial institutions, collaborating with underwriting teams and portfolio managers. Growth opportunities include senior analyst roles, risk management leadership, or specialization in regulatory compliance. Their insights are vital for informed credit policy-making, directly impacting the organization's financial health.