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Credit Analyst

Credit Analyst

SUMMARY:Conducts a thorough analysis of commercial credit requests combining the analysis with a researched and documented loan package for the loan committee and board of directors to review.

ESSENTIAL DUTIES AND RESPONSIBILITIES:  Include the following. Other duties may be assigned. 

  • Analyze financial statements and tax returns to prepare accurate analysis packages for the loan committee & board of directors to review.
  • Uses Abrigo/Sageworks (or other software) to enter financial information and analyze results for commercial loan requests.
  • Effectively identify underlying risks associated with a loan request.
  • Recommends credit ratings based on a thorough assessment of the request and/or existing loan.
  • Uses the internet to research company/licensing/newsworthy information related to commercial loan application/guarantor/industry/competition.
  • Works with the loan officer to obtain information for complete, clear loan presentation keeping them informed of progress/documents needed, etc.
  • Uses Excel (or other software) to combine information into packages for loan presentation.
  • Must maintain complete confidentiality of all information.
  • Monitor commercial compliance with loan covenants.
  • Perform miscellaneous related duties as assigned by the Sr. Credit Analyst, Chief Credit Officer, or other CVNB management.


  • A bachelor’s degree from a four-year college or university in Finance, Accounting, Economics, or other business major preferred with 1+ years work experience as a commercial banker and/or commercial credit analyst preferred.
  • Other Bachelor’s degrees will be considered with a combination of 5+ years of work experience and training in commercial banking and/or commercial credit analysis.


  • Applicant needs to possess the ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, governmental regulations, and procedure manuals. 


  • Applicant should be able to read and interpret financial statements and apply concepts such as fractions, percentages, ratios, and proportions to practical situations.


  • Must have good computer skills, especially Excel.

LOCATION:  Lexington, Louisville, or London, KY
DEPARTMENT: Credit Analysis             
SUPERVISOR:  Sr. Credit Analyst

To apply for an open position, please indicate what job you are applying for and send your resume to our HR Director using the link below. 
Cumberland Valley National Bank is an equal opportunity employer.  All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.