Associate Credit Reporting Specialist

SECU

13d • Hybrid

About The Position

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team! This position works directly with seasoned Credit Reporting Specialists, utilizing knowledge of the Fair Credit Reporting Act (FCRA) and related regulations, along with knowledge of Metro 2® furnishing rules, to ensure the accuracy and integrity of SECU credit reporting data for SECU members, by researching and responding to credit reporting disputes. The role aims to provide exceptional member service through the quality of the work completed for the membership.

Requirements

• HS Diploma or GED
• 0-2 years of credit reporting experience
• Demonstrated ability to complete tasks within stringent time requirements
• Must be able to use available resources to locate and acquire information regarding regulations and SECU policies and guidelines
• Must be willing to engage in ongoing training and professional development
• Ability to comprehend and carry out verbal and written instructions
• High attention to detail
• Excellent verbal and written communication skills
• Ability to cooperate and collaborate with co-workers and others
• Experience using Microsoft Office products
• Proficiency in data entry

Nice To Haves

• A four-year degree
• One year of direct credit reporting experience
• A general knowledge of loan originations and loan servicing systems
• A 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

• Works under general supervision and follows established policies, procedures and requirements under the FCRA and Metro 2® furnishing requirements to investigate and respond to direct and indirect consumer credit disputes.
• Validates credit reporting data for SECU and process corrections when necessary, ensuring a positive member experience.
• Communicates with members and member-facing staff on status of credit dispute matters, including researching reporting concerns and acting on resolution.
• Develop credit reporting knowledge -- Complete training on credit reporting basics, federal CDIA guidance, Metro2® reporting standards, and SECU policies and procedures related to furnishing and disputing credit data.
• Complete required learning modules and continuing education requirements.

What This Job Offers

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