NORTHFIELD, N.J.-For Jersey Shore FCU, much of its focus in 2013 will be on looking to rebuild its auto loan portfolio, as well as what is projected to be more than a year-long effort to recover from Hurricane Sandy.

Jersey Shore, which had $14.3 million of its auto lending portfolio as of September 2012, two months before Hurricane Sandy struck, has emphasized conservative underwriting for the last few years, and CFO Bill Kennedy said it is looking at loosening its policies a bit, including lowering credit score ranges by 25 points and "not being as tight-fisted on the value of the collateral. We're still going to be underwriting a loan and you still have to have a job history, so we're not loosening the strings there."

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