Determines customers’ credit needs, analyzes credit history, determines loan repayment capability and recommends loan structure(s). Approves or denies credit applications. Prepares and reviews loan documentation. Originates quality vehicle, consumer loans, Home Equity Lines of Credit, in-house portfolio mortgages, and construction loans. Monitors and assists in auctions, supervises closings and provides servicing for these loans. Maintains an aggressive collection effort in order to keep past dues at a minimum. Keeps documentation exceptions to a minimum. Attends training, finance committee, and officer meetings as scheduled. Opens new accounts and performs branch operational duties as staffing needs require. Stays abreast of changes/updates to bank products and policies, ensuring the accuracy of information provided to customers. Aggressive in calling on existing and potential customers within the branch market area. Actively participates in local business and community events.