Tim has over 40 years of experience in community banking, including extensive agriculture lending knowledge and served 27 years as President of Elk State Bank where he is currently Chairman of the Board. Early in his career, Tim was responsible for enhancing loan portfolio quality and creating a proprietary analysis system. This eventually led to the creation of Country Banker Systems, LLC a loan analysis software company where he serves as CEO.  Tim was raised on a dairy farm a few miles from his current residence and has maintained his connection to agriculture. In his career, he has drawn on not only his farm background and experience, but also his degree in Ag-Education, with emphasis in Ag Economics from Kansas State University.

Tim was previously a board member of the Banker’s Bank of Kansas and was also a member of the Executive Committee of the Farm Financial Standards Council (FFSC).  Locally he has served in various capacities in his church and serves on the board of a local trust established for the good of the Clyde area.

Education is a focal point for Tim.  He has taught at more than 70 banking schools while being the guest lecturer at numerous conferences, workshops, and classes throughout the Midwest. He has taught for the Kansas and Nebraska Schools of Banking, the North Dakota School of Banking, South Dakota School of Banking and for the Louisiana Bankers Association.  He teamed with Barret School of Banking based in Memphis, Tennessee to develop and deliver virtual beginning and advanced agriculture lending courses. He consults with Barret on their quarterly ag round table. Tim joined the Faculty at the Graduate School of Banking Colorado in 2020, his material emphasizes international economics and the impact on agriculture loan portfolios. He estimates he has taught more than 5,000 bankers, farmers, and students in over 30 states across the US.  His goal is to help fellow lenders and borrowers most effectively use loan analysis, cash flow applications, ratio analysis and proforma statements to grow strong ag enterprises and robust loan portfolios.