Lending Solutions Specialist

gatecitybank; Fargo (ND); On-site; USD 38,000 - 54,000; Full time

Job summary

Gate City Bank in Fargo Corporate Office seeks a Collections Specialist to encourage payment of delinquent accounts and handle customer inquiries. The role involves using various contact methods, performing online maintenance for extensions, and supporting regulatory compliance at the Fargo Corporate Office.

Required are an Associates degree with 3 years of related experience or an equivalent combination, plus strong communication and data-driven decision-making abilities.

Qualifications

• 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 mail, email or by personal phone calls to encourage payment of delinquent accounts.
• Answer customer inquiries and resolve problems.
• Complete online maintenance for extensions and other changes as needed.
• Prevent losses 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.

Skills

Oral and written communication

Data-driven decision making

Education

Associates degree; 3 years related experience

Tools

DNA system

E-Oscar

AI-enabled tools

Job description

Location: Fargo Corporate Office

Job Description:

Job Location: Fargo Corporate Office

Job Location Type: On-Site

Schedule: 8-5 M-F

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 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.

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