Lending Solutions Specialist

Location

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