Timothy Jon & Associates

Credit Analyst

Timothy Jon & Associates - Red Lake Falls, MN


Credit Analyst


The Credit Analyst provides exceptional service to Commercial Relationship Managers bank wide, through analyzing basic commercial and agriculture loan requests, identifying strengths and weaknesses, providing recommendations, and noting any deviations from Bank’s Loan Policy.

The Credit Analyst works collaboratively with commercial relationship staff, loan operations, compliance, and other bank departments to help create a productive, team-oriented work environment that leads to customer excellence.

Principal Responsibilities and Duties:

  • Accurately analyzes financial statements (including performance ratios) to develop initial assessment by identifying strengths and weaknesses pertaining to borrower’s historical operating performance.
  • Prepares a thorough, in-depth, written analysis of new credit requests, credit change requests, renewals, and annual relationship reviews.
  • Ensures that all credit files are complete, identifies any document deficiencies, and reports to Commercial Relationship Manager, Loan Operations, and/or Chief Credit Officer, as needed for timely resolution.
  • Reports to the Chief Credit Officer, findings that may have an adverse effect on loan collateral or a borrower’s ability to repay the loan.
  • Participates in customer meetings as requested by Customer Relationship Managers (may require travel as needed)
  • Maintains an active knowledge base of all the Bank’s loan products and the Bank’s Loan Policy and procedures in order to identify exceptions to policy.
  • Supports the relationship building goals of the organization by assisting with cross selling efforts and makes referrals to other departments of the bank.
  • As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.

Posted On: Friday, October 15, 2021

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