Lending Solutions Specialist

Gate City Bank • Fargo, ND

1d • Onsite

About The Position

The Lending Solutions Specialist performs all functions and duties involved with servicing of delinquent non-real estate personal and business loans. This role assists leadership with repossession duties as assigned. The specialist communicates with customers via mail, email, or phone to encourage payment of delinquent accounts, answers customer inquiries, and resolves problems. They complete online maintenance for extensions and other changes, and work to prevent further bank loss by avoiding charge-offs and repossessions. Responsibilities include receiving bankruptcy notices, completing reaffirmation agreements, and working with the legal system on bankruptcy plans. The role also involves performing file maintenance, monitoring loans under the Servicemembers Civil Relief Act, and following policies for non-accrual loans, including monthly reporting and tracking. File maintenance for the DNA system, responding to consumer disputes via E-Oscar, and imaging customer correspondence are also key duties. Additionally, the specialist prepares loan files for repossession, including market analysis of collateral, and orders repossessions through outside vendors. They assist in preparing and distributing reports on collection, charge-off, and repossession activity. The role emphasizes delivering exceptional service, building relationships, demonstrating reliability, complying with policies and regulations, maintaining attention to detail, exercising sound judgment, and utilizing AI-enabled tools responsibly.

Requirements

• Associates degree; 3 years of related experience; or equivalent combination of education and experience.
• Strong oral and written communication skills.
• Interpret and use data for decision making.

Responsibilities

• Communicate with customers by either mail, email or by personal phone calls to encourage payment of delinquent personal or business accounts.
• Answer customer inquiries. Including dealing with difficult customer situations and resolving problems.
• Complete on-line maintenance for extensions, and other changes as needed.
• Prevent further bank loss by avoiding charge offs and repossessions.
• Receive bankruptcy notices for customers with personal loans.
• Complete reaffirmation agreements and works with legal system to file bankruptcy plans.
• Perform file maintenance and monitors loans protected under the Servicemembers Civil Relief Act.
• Follow policy and procedure of non-accrual loans. Including assisting with monthly reporting and tracking spreadsheets.
• Perform file maintenance to the DNA system for bad mail and address change when necessary.
• Respond to consumer disputes in a timely manner, including E-Oscar.
• Complete imaging of all customer correspondence and documentation.
• Prepare loan file for repossession. Including completing market analysis of collateral. Upon approval of repossession will order repossession through outside vendor.
• Assist with preparing, developing, and distributing reports to ascertain status of collection, charge-off, and repossession activity.
• Deliver a consistently exceptional service experience for both team members and customers.
• Build and maintain effective working relationships with team members, leaders, customers, and external partners.
• Demonstrate reliability and accountability in attendance to support operational needs and service expectations.
• Comply with all Gate City Bank policies, procedures, and all applicable laws and regulations.
• Maintain a high level of attention to detail and accuracy in all responsibilities.
• Exercise sound judgment and make timely decisions in a fast‑paced environment.
• Utilize approved AI-enabled tools and technologies to enhance productivity, support problem-solving and decision-making, and drive efficiencies while exercising sound judgment and adhering to company policies, privacy standards, and responsible use expectations.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree