If you or someone in your family uses a credit card, you must decide whether you can be trusted to repay the money you charge. This judgement is contingent on the work of a credit analyst. A credit analyst reviews an individual's or company's financial accounts and credit history. Based on this data, the analyst evaluates the level of risk associated with giving credit or lending money. 

Credit analysts are frequently employed by banks and other financial organisations, although any company that lends credit may hire one or more. Manufacturing companies, for example, may do credit checks on customers before beginning to manufacture products to ensure that the customer has a history of paying on time. 

It's a position that necessitates rigorous information analysis and the ability to write a clear, objective report. Decisions must be based on facts rather than intuition, therefore a credit analyst must be able to focus on details hour after hour, day after day. 

Working arrangements are often extremely pleasant, with an office and a conventional 40-hour workday being the norm. The most frequent form of education is a bachelor's degree. College graduates with business-related degrees can readily move into these positions, however it may be a position for which on-the-job training is offered. 

When this work is done well, a critical component of the nation's economy runs smoothly. In fact, without credit, most of the economy would come to a halt. Houses would not be built, tuition would not be paid, vehicles would not be purchased, and so on. To keep the credit flowing, specialists examine each case individually to determine whether it is safe to lend the money.