Loss Mitigation Specialist

About The Role

We are a dynamic and growing community bank dedicated to providing exceptional financial services to individuals and businesses within our local area. Our mission is to build long-lasting relationships with customers by offering personalized service and fostering a community-oriented banking experience. As part of our team, you will have the opportunity to grow with us, contributing to both your personal and professional development in a supportive and innovative environment.

The Loan Recovery & Operations Specialist provides dedicated ownership of Citizens Community Bank's loan recovery and Special Assets functions while supporting the overall success of the Loan Operations Department. This position is responsible for managing delinquent loan accounts, minimizing loan losses, administering bankruptcies, coordinating recovery efforts on deceased borrower accounts, and facilitating repossessions, foreclosures, and other problem loan activities.

In addition to its primary collections responsibilities, this role provides operational support within Loan Operations to improve staffing flexibility, enhance cross-department collaboration, and ensure continuity of critical loan servicing functions. The position serves as a key resource in improving operational quality, strengthening regulatory compliance, and supporting Citizens Community Bank's commitment to exceptional customer service customer service and Glacier Bancorp's operational excellence initiatives.

This role aligns with the proposed position by combining Special Assets ownership with targeted Loan Operations support.

This is an in-person, 40 hour a week position.

• Monitor delinquent loan accounts and ensure timely follow-up.
• Contact borrowers regarding past-due loans and develop appropriate repayment solutions.
• Manage deceased borrower accounts and coordinate recovery efforts.
• Administer bankruptcy accounts and ensure regulatory compliance.
• Coordinate repossessions, foreclosures, charge-offs, and recover efforts.
• Maintain accurate documentation, reporting, and account status updates.
• Collaborate with lenders, legal counsel, compliance, and third-party vendors.

• Develop standardized collection procedures and documentation practices.
• Identify opportunities to improve operational efficiency and reduce portfolio risk.
• Ensure all Special Assets activities meet Citizens Community Bank and Glacier Bancorp quality standards.
• Assists in preparing for internal audits, quality reviews, and regulatory examinations.
• Recommend process improvements that strengthen internal controls and improve quality outcomes.

• Perform loan boarding and servicing functions for consumer and commercial loans.
• Complete document imaging and quality verification.
• Maintain collateral tracking and exception reporting.
• Assist with loan file review and pipeline maintenance.
• Process ACH setup, loan funding, payoff quotes, and other servicing requests.
• Provide backup support across Loan Operations during periods of increased volume or staffing needs.

These operational support duties complement the existing Loan Servicing Specialist responsibilities while providing flexibility across the department.

• Support Citizens Community Bank's commitment to operational excellence through dedicated ownership of loan recovery and Special Assets functions.
• Improve consistency, accountability, and quality within collections and problem loan management.
• Collaborate with Loan Operations, Lending, Compliance, Credit Administrations, and Executive Management to resolve complex loan situations.
• Support Glacier Bancorp quality initiatives through process standardizations, documentation accuracy, and continuous improvement.
• Identify trends that contribute to loan delinquency or operational risk and recommend corrective action.

• Provide exceptional internal and external customer service.
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must complete the assigned online training courses and achieve a passing score by due date.
• Represent in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.

• High degree of attention to detail.
• Strong organizational and time management skills.
• Excellent verbal and written…