Job Details

Location
Fargo Corporate Office

Job Description:

The Lending Solutions Analyst performs all functions and duties involved with servicing and collection of delinquent real estate loans.

ESSENTIAL FUNCTIONS:

• Communicate with customers by mail and personal phone calls to encourage payment of delinquent real estate accounts. Following guidelines set forth by investors and regulators.
• Answer customer inquiries. Including dealing with difficult customer situations and resolving problems.
• Prepare and submit all investor monthly reporting timely and accurately.
• Review and analyze borrower financial statements and accounts per investor guidelines in an attempt to qualify borrowers for loss mitigation options set forth by the investors and insurers. Including forbearance, repayment plans, modifications, deferrals, partial claims, short sales, or deed-in-lieu of foreclosure
• File claims with PMI, VA, FHA, Rural Housing and Freddie Mac for all applicable loss mitigation options.
• Order and review property inspection reports for all real estate accounts as needed and required.
• Order and monitor valuations of applicable properties at 120 days past due.
• Monitor and maintain the Unapplied Report and Non-Accrual report.
• Maintain knowledge of loan attributes and perform on-line maintenance necessary for servicing real estate loans including but not limited to payments, histories, payment reversals, modifications, automatic payments, restrictions, and end of month report coding.
• Perform file maintenance and monitor loans protected under the Servicemembers Civil Relief Act.
• Perform file maintenance to the DNA system for bad mail and address change when necessary.
• Complete imaging of all customer correspondence and documentation.
• Notify private mortgage companies of delinquent loans, file claims and submits monthly delinquent reports
• Prepare files to be reviewed for foreclosure when all remediation attempts have been completed.
• Review and process Consumer disputes received either by written request or E-Oscar submission.
• Prepare files for monthly Quality Assurance review.
• Write and revise job instructions and checklists as needed.
• Apply critical thinking skills to problem solving and prevent errors and suggest process improvements.
• Receive bankruptcy notices for customers with real estate loans. Complete reaffirmation agreements and works with legal system to file bankruptcy plans.

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 detail-oriented and maintain high degree of accuracy.
• Ability to make decisions in a fast-paced environment.

EDUCATION AND EXPERIENCE:

Associate 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