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Credit risk is the possibility of losing a lender holds due to a risk of default on a debt that may arise from a borrower failing to make required payments. [1]
One objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating.The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default.
A credit analyst [1] [2] is a person employed by an organization to analyze the credit worthiness of customers and potential customers, and to assist in the ongoing management, classification and quantification of credit risk thereafter. See Credit analysis § Role and Financial analyst § Corporate and other for discussion.
There are several analyst roles related to credit risk, macro or micro. [14] Ratings analysts (who are often employees of ratings agencies), evaluate the ability of companies or governments that issue bonds to repay their debt. On the basis of their evaluation, a management team assigns a rating to a company's or government's bonds.
Financial risk management is the practice of protecting economic value in a firm by managing exposure to financial risk - principally credit risk and market risk, with more specific variants as listed aside - as well as some aspects of operational risk.
Credit management is the process of granting credit, setting the terms on which it is granted, recovering this credit when it is due, and ensuring compliance with company credit policy, among other credit related functions.
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