Associate Credit Reporting Specialist

State Employees' Credit Union • Wake Forest, NC

1d • Hybrid

About The Position

The Associate Credit Reporting Specialist works directly with experienced Credit Reporting Specialists to help ensure the accuracy and integrity of SECU credit reporting data for its members. The role uses knowledge of the Fair Credit Reporting Act (FCRA), related regulations, and Metro 2® furnishing rules to research and respond to credit reporting disputes and provide exceptional member service through the quality of completed work.

Under general supervision, the specialist investigates direct and indirect consumer credit disputes according to established policies, procedures, and FCRA and Metro 2® requirements; validates SECU credit reporting data and processes corrections when needed; communicates with members and member-facing staff about dispute status and resolutions; and works with specialists on entry-level department reports. The role helps maintain alignment with federal CDIA guidance, Metro 2® reporting standards, and SECU policies and procedures.

Requirements

• High school diploma or GED.
• 0–2 years of direct credit reporting experience.
• Experience completing tasks within stringent time requirements.
• Excellent verbal and written communication skills.
• Experience using Microsoft Office products.
• Proficiency in data entry.
• Fluency in English.

Nice To Haves

• Four-year degree.
• One year of direct credit reporting experience.
• General knowledge of loan originations and loan servicing systems.
• General knowledge of lending compliance and relevant regulations, including FCRA, FACTA, GLB, BSA, ECOA, and UDAAP, as related to ensuring fair and accurate credit reporting.
• Experience using e-Oscar or credit dispute management software.
• Experience using Data Studio or equivalent data furnishing validation software.
• Experience operating in a highly regulated role.

Responsibilities

• Investigate and respond to direct and indirect consumer credit disputes under established policies, procedures, FCRA requirements, and Metro 2® furnishing requirements.
• Validate SECU credit reporting data and process corrections when necessary to support a positive member experience.
• Communicate with members and member-facing staff regarding credit dispute status, research reporting concerns, and act on resolutions.
• Work with specialists to complete entry-level department reports, applying credit reporting knowledge to maintain alignment with federal CDIA guidance, Metro 2® reporting standards, and SECU policies and procedures.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED