Learned how to take an application and everything that goes in it. We went through the essentials: Income, Assets, Liability and Property; we also went through the details. There is so much that goes into an approval, but the most important thing is making sure that you have a good credit history. It is so important to take care of your credit so that you can get approved for a loan.

We had a lady today that hasn't taken care of her credit, and she probably won't be able to get a loan because of it. We are going to do everything we can to help her, but there are no guarantees.

It's really hard when you want to help someone do something good for their life, and you may have to tell them no. This is going to be the hardest part of my job for sure.