Location

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.

Other Skills:

• Strong oral and written communication skills.

• Interpret and use data for decision making.

EOE/including Disability/Vets

Member FDIC