Lending Solutions Specialist

Gate City Bank; Fargo (ND); On-site; USD 42,000 - 54,000; Full time

Job summary

Gate City Bank in Fargo Corporate Office is seeking a Lending Solutions Specialist to service delinquent personal and business loans and assist with repossession duties. This on-site role follows a standard schedule 8-5, Monday through Friday.

The position emphasizes communication with customers, data-driven decisions, and collaboration with leadership; requires an Associate degree with 3 years of related experience, strong written and spoken communication, and adherence to bank policies.

Qualifications

• Associates degree; 3 years related experience or equivalent.
• Strong oral and written communication.
• Ability to analyze data for decision making.

Responsibilities

• Communicate with customers to encourage payment of delinquent accounts (mail, email, phone).
• Answer customer inquiries and resolve problems, including difficult situations.
• Prepare files for extensions and modifications in the system.
• Assist with repossession as needed and coordinate with leadership.
• Maintain and prepare reports on collections, charge-offs, and repossessions.

Skills

Communication

Data interpretation

Customer service

Education

Associates degree

Tools

DNA system

Job description

Location

Fargo Corporate Office

Job Description

Job Location: Fargo Corporate Office

Job Location Type: On-Site

Schedule: 8-5 M-F

The Lending Solutions Specialist performs all functions and duties involved with servicing of delinquent non-real estate personal and business loans preforming the following duties.Assists leadership with repossession duties as assigned.

ESSENTIAL FUNCTIONS

• 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.

Other Duties

• 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 fastpaced 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.

Education and Experience: Associates degree; 3 years of related experience; or equivalent combination of education and experience.

Other Skills

• Strong oral and written communication skills.
• Interpret and use data for decision making.

EOE/including Disability/Vets

Member FDIC