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Gate City Bank · 10 hours ago

Lending Solutions Analyst

Fargo, ND

Full-time

Onsite

Mid Level

3+ years exp

Gate City Bank is seeking a Lending Solutions Analyst to manage the servicing and collection of delinquent real estate loans. The role involves communicating with customers, preparing reports, analyzing financial statements, and ensuring compliance with investor guidelines.

BankingFinancial Services

Culture & Values

Responsibilities

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, Freddie Mac, Fannie Mae and Federal Home Loan Bank (FHLB) 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, and submit monthly delinquent reports

Responsible for Successor in Interest process, including preparing, tracking, and coding DNA systems

Monitor Line of Credit suspensions and cancellations

Assist the Sr Lending Solutions Analyst with preservation of property for vacant real estate properties. Including reconciliation of the monthly billing to third party vendors

Communicate effectively with team members and other stakeholders

Prioritize and manage time effectively to meet deadlines

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

Participate in meetings, workshops, and training sessions as needed to enhance skills and knowledge

Collaborate with team members to brainstorm ideas, develop strategies, and implement solutions, improve processes and revise job instructions or checklists as needed

Apply critical thinking skills to solve problems and prevent errors

Receive bankruptcy notices for customers with real estate loans. Complete reaffirmation agreements and works with legal system to file bankruptcy plans

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

Qualification

Real estate loan servicingLoss mitigation optionsFinancial statement analysisData interpretationCustomer serviceCommunication skillsCritical thinkingTime management