Credit Reporting Administrator

The Credit Reporting Administrator at Upgrade is responsible for ensuring accurate and timely Metro 2 submissions and maintaining compliance with credit reporting standards. They will research and develop process improvements for credit bureau disputes and respond to complaints from regulatory agencies. The role also involves conducting audits of reported information to ensure accuracy and taking corrective action when necessary. The Credit Reporting Administrator will play a crucial role in enhancing credit reporting and disputes processes and ensuring compliance with regulatory guidelines.

• Maintain strong knowledge of credit reporting requirements for all accounts, including current, delinquent, repossession, bankruptcy, charge-off, and transferred accounts.
• Assure that all accounts reporting to the consumer reporting agencies are reported in accordance with Metro 2 Format, the Credit Reporting Resource Guide, and in compliance with the Fair Credit Reporting Act.
• Identify and report credit reporting trends or issues to managers that may pose compliance or operational risk.
• Research and lead projects designed to enhance credit reporting and disputes processes.
• Adhere to the company's FCRA and credit policies, operational procedures, SOPs, and training guides focused on credit reporting and dispute management.
• Participate in the creation and audit of Metro2 files and work with internal and external stakeholders on process improvement and make corrections if needed.
• Review and provide monthly reporting on accounts furnished to the credit reporting agencies (pre and post-audit for Metro2).
• Ensure operational/compliance objectives remain in line with business requirements and organizational strategies.
• Assist as needed in compliance reviews, audits, and regulatory exams as they pertain to bureau reporting and inquiry removal.
• Submit AUDs for account corrections and fraud deletions.
• Act as a liaison with credit reporting agencies and ensure compliance within regulatory guidelines.
• Responsible for proper record-keeping.

• Maintain strong knowledge of credit reporting requirements for all accounts
• Assure that all accounts reporting to the consumer reporting agencies are reported in accordance with Metro 2 Format and the Fair Credit Reporting Act
• Identify and report credit reporting trends or issues that may pose compliance or operational risk
• Research and lead projects to enhance credit reporting and disputes processes
• Adhere to company's FCRA and credit policies, operational procedures, SOPs, and training guides focused on credit reporting and dispute management
• Participate in creation and audit of Metro2 files and work on process improvement and corrections
• Review and provide monthly reporting on accounts furnished to the credit reporting agencies
• Ensure operational/compliance objectives remain in line with business requirements and organizational strategies
• Assist in compliance reviews, audits, and regulatory exams related to bureau reporting and inquiry removal
• Submit AUDs for account corrections and fraud deletions
• Act as a liaison with credit reporting agencies and ensure compliance within regulatory guidelines
• Responsible for proper record keeping

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental, and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives