Owais Aslam, MBA

Owais Aslam, MBA

How to Think Like a Credit Analyst: A Guide to Credit Research

(For smart finance enthusiasts – MBA students, junior analysts, and savvy retail investors)

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Owais Aslam
Aug 31, 2025
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1. What is Credit Research?

Credit research is the process of evaluating a borrower or bond issuer’s ability to meet its debt obligations and assessing the risk of default. In practice, it means digging into a company’s financial strength, competitive position, and cash flow to judge how “creditworthy” it is. Unlike equity research (which often emphasize…

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