What sets the best credit analysis apart?
Let’s define what sets apart the strongest, most compelling credit presentations, and understand how to help credit analysts continue to elevate their work.
Some credit analysis stands out from the pack. You know it when you read it, and yet, you might not be sure what makes it noticeably stronger.
I'm guessing it's one of two things:
1. The analyst told you WHY the numbers and trends matter. They went beyond reciting things like "revenue decreased" and "leverage increased" and told you WHY those things happened. If the analysis is really strong, they even told you why you should (or shouldn't) care about the changes.
2. The analyst edited their work for clarity and conciseness. Many analysts are surprised to learn that their narrative often reads at a very advanced level. It's not incorrect, but it's more challenging for an approver to absorb. Shorter sentences, simpler words, and a more "deductive" writing style (beginning with the main idea and providing the supporting evidence afterward) are just a few ways that an analyst's narrative can truly stand out.
Credit analysts typically have access to a lot of training that focuses on the numbers: how to dissect an income statement, what to do with a statement of cash flows, which ratios deserve the most attention. We assume all of that translates nicely into written narrative. It often doesn't, and that gap is exactly where strong analysts get stuck.
That's the gap AnalytiQ™ was built to close. Since launching in 2026, three cohorts of analysts have worked through live sessions on exactly this kind of thing: how to write deductively instead of reciting, how to edit their own narrative for an approver's eye, and how to navigate the conversations that come up when a lender pushes back. They leave asking sharper questions and engaging more deeply as partners with their lenders and teams, not just producers of memos.
Six weekly, one hour, live virtual sessions. A cohort of classmates from institutions around the country, working through real narrative and real feedback together. A concrete plan they bring back to their own manager. It's a meaningful step up in analytical skill without anyone leaving their desk.
A new cohort will be kicking off in mid-September. It will have a maximum of 8 attendees to ensure everyone can actively participate and be heard. Reach out for more info, or visit the AnalytiQ website to register.
