What is Credit Analysis & Fundamentals ?

"Credit analysis is the process of evaluating an individual or organization's ability to repay a loan. It involves a thorough examination of the borrower's financial history, including their credit history, income, profitability, equity, debts, and assets. The goal of credit analysis is to determine the level of risk involved in lending money and to make informed lending decisions based on the results of the analysis. This helps lenders determine the likelihood of default and assess the potential return on their investment.