BankIn Minnesota · 1 week ago
Credit Control Specialist
Clara City, MN
Full-time
Onsite
Entry, Mid Level
1+ years expCitizens Alliance Bank is a financial institution located in Clara City, MN, seeking a Credit Control Specialist. This role involves supporting the bank's lending portfolios through credit control, loan administration, and monitoring activities, ensuring compliance with bank policies and regulatory requirements.
BankingCustomer ServiceFinancial ServicesNon Profit
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
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
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
Qualification
Required
High School diploma or GED
Continuing Education to maintain job knowledge
Preferred
One to three years of banking experience in loan servicing, credit administration, or collections
Proficiency in Microsoft Office Suite
Company
BankIn Minnesota
BankIn Minnesota provides members with the resources and advocacy they need to remain independent, effectively compete in the financial industry, grow their banks, and positively impact the economy in their local communities.
2-10 employees
Funding
Current Stage
Early StageLeadership Team
Jim Amundson
President & CEO
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