Credit Control Specialist

Independent Community Bankers of Minnesota; Minnesota; On-site; USD 40,000 - 50,000; Full time

Job summary

A community-focused financial institution is seeking a Credit Control Specialist to support various lending portfolios by performing daily credit control and loan administration. Responsibilities include managing overdrafts, monitoring past-due accounts, and ensuring compliance with regulatory requirements. Ideal candidates will hold a high school diploma and have 1-3 years of banking experience, along with proficiency in Microsoft Office. This position offers the opportunity to contribute to a supportive banking environment with a focus on community values.

Qualifications

• High School diploma or GED required.
• One to three years of banking experience preferred.
• Proficiency in Microsoft Office Suite preferred.

Responsibilities

• Monitor daily overdrafts and prepare information for review.
• Support administration of the Overdraft Privilege Program.
• Prepare monthly overdraft-related reports for management.
• Review loan documentation to support lien perfection.

Skills

Credit administration

Loan servicing

Overdraft management

Regulatory compliance

Excellent communication

Monitoring skills

Education

High School diploma or GED

Continuing Education

Tools

Microsoft Office Suite

Job description

Citizens Alliance Bank

Location: Clara City, MN

Job Title: Credit Control Specialist

Overview

The Credit Control Specialist supports the Bank’s Commercial, Agricultural, and Consumer lending portfolios by performing daily credit control, loan administration, and monitoring activities. This role is responsible for overdraft management, past-due tracking, collections support, collateral documentation, appraisal review, and regulatory reporting. Working under the direction of the Credit Control Supervisor, the Credit Control Specialist ensures that all credit administration tasks are completed accurately, timely, and in accordance with Bank policies, procedures, and regulatory requirements. The position focuses on execution, monitoring, documentation, and reporting, with exceptions and concerns escalated appropriately.

Responsibilities

Position Summary: The Credit Control Specialist supports the Bank’s Commercial, Agricultural, and Consumer lending portfolios by performing daily credit control, loan administration, and monitoring activities. This role is responsible for overdraft management, past-due tracking, collections support, collateral documentation, appraisal review, and regulatory reporting. Working under the direction of the Credit Control Supervisor, the Credit Control Specialist ensures that all credit administration tasks are completed accurately, timely, and in accordance with Bank policies, procedures, and regulatory requirements. The position focuses on execution, monitoring, documentation, and reporting, with exceptions and concerns escalated appropriately. The level of this position is based on years of service, education and/or equivalent experience, knowledge level, and skill set. Essential Functions: To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Monitor daily overdrafts and prepare information for review and decisioning.
• Support administration of the Overdraft Privilege (ODP) Program.
• Preparing and distributing customer letters.
• Supporting new account setup and ongoing monitoring.
• Preparing lists for accounts not automatically enrolled.
• Tracking opt-in/opt-out activity.
• Supporting Fresh Start program activity.
• Tracking and reconciling ODP income.
• Prepare monthly overdraft-related reports for management.
• Monitor past-due and matured loans using RMS and other reporting tools; elevate exceptions as needed.
• Assist with servicing of elevated-risk or delinquent loan accounts.
• Support the credit card past-due and default letter process.
• Provide servicing support for Habitat for Humanity (H4H) loans, including invoicing and required reporting.
• Support bankruptcy processing by tracking filings, maintaining loan status, and coordinating routine communications.
• Support third-party collection processes, including submitting accounts, tracking activity, and posting payments (PCA and other agencies).
• Review attorney invoices for accuracy and compliance; process loan charges when appropriate.
• Support follow-through on attorney best practices, ensuring documentation and communication standards are met.
• Maintain collateral inspection tracking for farm, construction, and other collateral types.
• Review loan documentation to support lien perfection; identify and elevate deficiencies.
• Monitor appraisal and title policy compliance to ensure adherence to Bank standards.
• Generate portfolio, delinquency, overdraft, and risk reports as requested.
• Update and maintain accurate customer and loan information in Bank systems.
• Review tickler and exception reports and complete assigned follow-up actions.
• Assist with internal, external, and regulatory audits by gathering documentation, completing assigned items, and tracking follow-up requests.
• Perform all duties in compliance with Bank policies, procedures, and regulatory requirements.
• Process refund requests, ensuring documentation is complete and appropriate approvals are obtained.
• Provide operational backup and cross‑coverage to ensure continuity of Credit Control functions.
• Attend required training, trade, and industry seminars.
• Maintain regular attendance and punctuality.
• Perform other duties as assigned.
• All employees are expected to exemplify and follow our core values.
• Regular attendance and punctuality when reporting to work.
• Travel for trade and industry schools and seminars as needed.
• This position may require installation of a Multi‑Factor Authentication (MFA) app on an employee’s personal mobile device. The MFA apps are used to authenticate a user’s identity to the system for security purposes.
• Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
• Perform other duties as assigned and requested.

Core Values

• Humility - We are “blue‑collar bankers”. We are relatable, down‑to‑earth people who greet our smallest customer the same way we greet our largest.
• Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
• Finds A Way - This simply put, is nothing more than attitude. It’s a can‑do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
• Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
• Owning‑It - Owning‑It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.

Education and Experience

Required – High School diploma or GED. Required – Continuing Education to maintain job knowledge. Preferred – One to three years of banking experience in loan servicing, credit administration, or collections. Preferred – Proficiency in Microsoft Office Suite.

Requirements

Education and Experience: Required – High School diploma or GED. Required – Continuing Education to maintain job knowledge. Preferred – One to three years of banking experience in loan servicing, credit administration, or collections. Preferred – Proficiency in Microsoft Office Suite.

Deadline: 02/13/2026

How to Apply: https://recruiting2.ultipro.com/CIT1026CITBA/JobBoard/cf2ef46b-ba9f-456e-8aba-8b4afdd85011/?q=&o=postedDateDesc&w=&wc=&we=&wpst=

Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.