Determines customers’ credit needs, analyzes credit history, approves or denies credit applications with the approval of senior lenders. Negotiates credit terms, loan repayment methods and collateralization with assistance from senior lenders. Prepares and reviews loan documentation. 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.