{"ok":true,"canonical_url":"https://dealroom.so/glossary/credit-analyst","api_url":"https://dealroom.so/api/public/glossary/credit-analyst","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"credit-analyst","term":"Credit analyst","group":"People and paperwork","definition":"This is the person at the bank who thoroughly reviews your loan application, financial statements, and business plan. They assess risk and make a recommendation to the credit committee.","what_it_means":"Your credit analyst is your primary point of contact during the underwriting phase. Be responsive and provide all requested information promptly and accurately. Building a good rapport and clearly explaining your deal to them is key to a smooth process.","url":"https://dealroom.so/glossary/credit-analyst","official_sources":[],"related":[{"slug":"credit-committee","term":"Credit committee","url":"https://dealroom.so/glossary/credit-committee"},{"slug":"credit-approval-process","term":"Credit approval process","url":"https://dealroom.so/glossary/credit-approval-process"},{"slug":"underwriting","term":"Underwriting","url":"https://dealroom.so/glossary/underwriting"},{"slug":"financial-projections","term":"Financial projections","url":"https://dealroom.so/glossary/financial-projections"}],"related_questions":[{"question":"What if my personal credit report shows a recent late payment on a minor credit card?","url":"https://dealroom.so/sba-7a/questions/what-if-my-personal-credit-report-shows-a-recent-late-payment-on-a-minor-credit-card"},{"question":"Does having many recent credit inquiries on my personal credit report affect SBA 7(a) loan approval chances?","url":"https://dealroom.so/sba-7a/questions/does-having-many-recent-credit-inquiries-on-my-personal-credit-report-affect-sba-7-a-loan-"},{"question":"Does the sunset of the SBSS score impact the requirement for a credit memo or documented credit analysis for 7(a) Small Loans?","url":"https://dealroom.so/for-lenders/questions/does-the-sunset-of-the-sbss-score-impact-the-requirement-for-a-credit-memo-or-documented-c"},{"question":"Can a credit card cash advance be used for my down payment?","url":"https://dealroom.so/sba-loans/basics/can-a-credit-card-cash-advance-be-used-for-my-down-payment"},{"question":"What is the 'credit elsewhere' test for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-credit-elsewhere-test-for-an-sba-7-a-loan"},{"question":"What credit score is generally needed for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-credit-score-is-generally-needed-for-an-sba-7-a-loan"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Credit analyst","url":"https://dealroom.so/glossary/credit-analyst","source_type":"DealRoom Data"}}