Scott leads the banks credit function. He is responsible for credit quality, credit policy, and credit culture. A 27 year banking veteran, Scott carries a business degree from Gustavus Adolphus College and is an alumnus of the Commercial Lending Graduate School in Norman Oklahoma. As chief Credit Officer Scott is responsible for the health of all facets of the bank’s loan portfolio. He also serves on the Executive management team and various internal management committees. Scott’s leadership allows First National to have a loan portfolio that is strong, growing, and profitable.