Lending Solutions Specialist

Gate City Bank • Fargo, ND

1d • Hybrid

About The Position

The Lending Solutions Specialist performs all functions and duties involved with servicing of delinquent personal loans. This role involves communicating with customers to encourage payment, handling inquiries and difficult situations, performing loan maintenance, preventing bank loss, managing bankruptcy notices and reaffirmation agreements, monitoring loans under the Servicemembers Civil Relief Act, following non-accrual loan policies, and responding to consumer disputes. The specialist will also be responsible for imaging customer correspondence, preparing loan files for repossession, ordering repossessions, and assisting with reporting on collection, charge-off, and repossession activity. Additionally, the role requires providing excellent customer service, developing productive relationships, maintaining prompt attendance, and adhering to all bank policies and regulations. The ability to make decisions in a fast-paced environment is crucial.

Requirements

• Associates degree; 3 years of related experience; or equivalent combination of education and experience.
• Strong oral and written communication skills.
• Ability to interpret and use data for decision making.
• Detailed-oriented and maintain high degree of accuracy.
• Ability to make decisions in a fast-paced environment.
• Prompt and reliable attendance is essential.

Nice To Haves

• Assists leadership with repossession duties as assigned.
• Potential for hybrid options after fully trained in.

Responsibilities

• Communicate with customers by either mail 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, collateral changes, 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 work with the legal system to file bankruptcy plans.
• Perform file maintenance and monitor 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, order repossession through outside vendor.
• Assist with preparing, developing, and distributing reports to ascertain status of collection, charge-off, and repossession activity.
• Provide a “Wow” customer service experience for team members and customers.
• Develop and maintain productive relationships with team members, leaders, customers, and vendors.
• Ensure prompt and reliable attendance.
• Comply with all Gate City Bank policies, procedures, and applicable laws and regulations.
• Maintain a detailed-oriented approach with a high degree of accuracy.
• Make decisions in a fast-paced environment.

Benefits

• EOE/including Disability/Vets Member FDIC

What This Job Offers

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