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Citizens Alliance · 5 days ago

Credit Control Specialist

Clara City, MN

Full-time

Onsite

Entry Level

1+ years exp

Citizens Alliance Bank is seeking a Credit Control Specialist to support their Commercial, Agricultural, and Consumer lending portfolios. This role involves daily credit control, loan administration, and monitoring activities to ensure compliance with bank policies and regulatory requirements.

Management Consulting

Growth Opportunities

Responsibilities

Monitor daily overdrafts and prepare information for review and decisioning

Support administration of the Overdraft Privilege (ODP) Program

Preparing and distributing customer letters

Supporting new account setup and ongoing monitoring

Preparing lists for accounts not automatically enrolled

Tracking opt‑in/opt‑out activity

Supporting Fresh Start program activity

Tracking and reconciling ODP income

Prepare monthly overdraft‑related reports for management

Monitor past‑due and matured loans using RMS and other reporting tools; escalate exceptions as needed

Assist with servicing of elevated‑risk or delinquent loan accounts

Support the credit card past‑due and default letter process

Provide servicing support for Habitat for Humanity (H4H) loans, including invoicing and required reporting

Support bankruptcy processing by tracking filings, maintaining loan status, and coordinating routine communications

Support third‑party collection processes, including submitting accounts, tracking activity, and posting payments (PCA and other agencies)

Review attorney invoices for accuracy and compliance; process loan charges when appropriate

Support follow‑through on attorney best practices, ensuring documentation and communication standards are met

Maintain collateral inspection tracking for farm, construction, and other collateral types

Review loan documentation to support lien perfection; identify and escalate deficiencies

Monitor appraisal and title policy compliance to ensure adherence to Bank standards

Generate portfolio, delinquency, overdraft, and risk reports as requested

Update and maintain accurate customer and loan information in Bank systems

Review tickler and exception reports and complete assigned follow‑up actions

Assist with internal, external, and regulatory audits by gathering documentation, completing assigned items, and tracking follow‑up requests

Perform all duties in compliance with Bank policies, procedures, and regulatory requirements

Process refund requests, ensuring documentation is complete and appropriate approvals are obtained

Provide operational backup and cross‑coverage to ensure continuity of Credit Control functions

Attend required training, trade, and industry seminars

Maintain regular attendance and punctuality

Perform other duties as assigned All employees are expected to exemplify and follow our core values

Regular attendance and punctuality when reporting to work

Travel for trade and industry schools and seminars as needed

This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes

Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures

Perform other duties as assigned and requested