The term 'water-loving mammal' can be summarized by the crossword solution of 'otter'. Otters are semi-aquatic mammals that are found in many parts of the world, including North America, Europe, Asia, and Africa. They are known for their playful behavior and their ability to swim quickly and gracefully. Otters have webbed feet and a thick fur coat that helps them stay warm in cold water. They feed on fish, crabs, and other aquatic creatures.