15 Stampede's financial growth is slowing down. Despite this, their credit application for a $5 million fixed-term loan was still approved. What does this tell us about the credit analysis process? Review Later Credit analysis evaluates the company holistically, looking at all factors that affect debt service, not just financial analysis. The credit analysis process can sometimes miss details that would affect the credit decision. The approval recommendation for Stampede's credit application was incorrect. When a company is over-secured like in Stampede's case, it is acceptable to ignore findings from other sections of the credit application. Growth is unimportant for the credit analysis process long as the company expects to remain profitable going into the future