The term 'water-loving animal' can be summarized by the crossword solution of 'otter'. Otters are semi-aquatic mammals that live in both freshwater and saltwater habitats. They are known for their playful behavior, which includes sliding down muddy banks and playing with rocks and other objects. They have webbed feet and a streamlined body that helps them swim quickly and efficiently. Otters are also very social animals, living in large family groups.