About The Role

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 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.