Lending Solutions Specialist

Location
Fargo Corporate Office

Job Description:

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


SCHEDULE:

Monday-Friday, 8-5. On-site at Fargo Corporate Office with potential for hybrid options after fully trained in.

ESSENTIAL FUNCTIONS:

• 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 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:

• Provide a "Wow" customer service experience for team members and customers.
• Develop and maintain productive relationships with team members, leaders, customers, and vendors.
• Prompt and reliable attendance is essential in order to provide expected levels of service.
• Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.
• Must be detailed-oriented and maintain high degree of accuracy.
• Ability to make decisions in a fast-paced environment.

EDUCATION AND EXPERIENCE:

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.

EOE/including Disability/Vets

Member FDIC