Timothy Jon & Associates

Business Banking Credit Analyst

Timothy Jon & Associates - Oshkosh, WI

Responsible for completing in-depth credit analysis on new and existing clients of the Bank to assist in the loan decision –making process. Analysis to include a risk rating determination, properly identifying strengths and weaknesses, and noting any deviations from the Loan Policy.

The expectation is this position will grow into a Business Banking Representative (sales).


  • Analyzes financial statements (including performance ratios) of all levels of quality to develop an initial assessment as it relates to the borrower’s historical (or projected) operating performance.
  • Prepare written analysis which will include:
    • credit investigation of the borrower and guarantors
    • economic market conditions as they relate to the company, industry, and market area.
    • in-depth historical financial analysis
    • in-depth analysis of secondary sources of repayment including collateral.
    • properly identifying all exceptions to the Loan Policy
  • Collection, tracking, and spreading of required business and personal financial statements.
  • Assist in the tracking and timely completion of annual credit reviews, as required by the Lending Policy.
  • Review collateral and loan documentation to ensure accuracy in comparison to the approved structure. Conduct UCC and/or Real Estate Title Searches to properly identify collateral position. Order real estate appraisals or evaluations as needed.
  • Supports credit administration function for the overall management of the bank’s loan portfolio.
  • Adherence to all regulatory and compliance requirements
  • Completion of all banks required training.
  • Participate in customer meetings as requested by the lenders.
  • Participate in civic activities to promote development of the community and the positive image of the bank.
  • All other tasks as assigned.
  • Adheres to the bank's Code of Ethics.


  • Bachelor’s Degree in Accounting , Finance or Economics is preferred
  • Prior experience in credit or as credit intern is preferred but is not necessary. Individuals in this position generally have 0-3 years of experience.
  • Financial aptitude – basic understanding and ability to interpret financial statements.
  • Strong verbal and written communication skills
  • Strong analytical and mathematical skills
  • Proficient computer skills (Microsoft Word, Power Point and Excel)
  • Attention to detail.


Posted On: Wednesday, September 22, 2021

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