Credit Reporting & Disputes Specialist 5313

Keesler Federal Career • Biloxi, MS

14h

About The Position

The Credit Reporting & Disputes Specialist supports the credit union’s consumer credit reporting program by ensuring information furnished to consumer reporting agencies is accurate, timely, and compliant. The role conducts dispute investigations, credit bureau corrections, data integrity reviews, account maintenance, quality control activities, and reporting reconciliations. The specialist works closely with the Credit Reporting & Disputes Manager to identify and resolve reporting issues, coordinate vendor and bureau communications, and implement corrective actions. The position has no supervisory responsibilities and is classified as non-exempt.

The role requires an associate’s degree in a related field, or an equivalent combination of education and experience demonstrating the ability to perform the job. A minimum of three years of similar or related experience in consumer credit reporting, lending operations, loan servicing, dispute resolution, regulatory compliance, or a related financial services environment is required. Experience with Metro 2 reporting, e-OSCAR, FCRA compliance, and consumer reporting agency interactions is preferred. The position also requires proficiency with computers and standard office technology, including Microsoft Word, Excel, Outlook, and Teams.

The position is based primarily in a professional office or branch setting and involves collaboration and member service. Duties may include extended periods of sitting or standing, repetitive computer or device use, and occasional movement throughout the facility. The essential functions can be performed with or without reasonable accommodation.

Requirements

• Associate’s degree in a related field, or an equivalent combination of education and experience demonstrating the ability to perform the functions of the position.
• Minimum of 3 years of similar or related experience in consumer credit reporting, lending operations, loan servicing, dispute resolution, regulatory compliance, or a related financial services environment.
• Demonstrated experience conducting account investigations, resolving consumer credit reporting disputes, analyzing data discrepancies, and applying regulatory requirements.
• Proficient knowledge of researching and resolving account discrepancies, conducting investigations, analyzing data, and applying regulatory requirements.
• Proficiency using computers and standard office technology, including Microsoft Word, Excel, Outlook, and Teams.
• Ability to manage time, prioritize competing responsibilities, and complete projects while meeting deadlines.
• Attention to detail and ability to produce accurate, thorough work and identify inconsistencies.
• Ability to make timely, informed decisions using sound judgment.
• Ability to analyze information, identify patterns and root causes, evaluate complex situations, and develop effective solutions.
• Ability to adjust to changing priorities, responsibilities, business needs, and work environments while maintaining performance.
• Ability to interact professionally and respectfully with members, coworkers, and external partners.
• Clear verbal and written communication skills, attentive listening, and a courteous, cooperative, service-oriented approach.
• Ability to build positive working relationships and contribute to a collaborative, inclusive, and member-focused environment.
• Compliance with applicable federal regulations, including BSA and OFAC.

Nice To Haves

• Experience with Metro 2 reporting, e-OSCAR dispute processing, Fair Credit Reporting Act (FCRA) compliance, and consumer reporting agency interactions.
• Knowledge of supporting audits, examinations, quality control reviews, or compliance activities.
• Certified Consumer Credit Compliance Professional (CCCP) certification.
• Consumer Data Industry Association (CDIA) Metro 2® training or certification.

Responsibilities

• Process consumer credit reporting disputes received from members, consumer reporting agencies, regulators, attorneys, and through e-OSCAR.
• Investigate disputes by reviewing loan records, payment histories, supporting documentation, system data, and applicable reporting requirements.
• Complete dispute investigations within regulatory requirements and established service levels.
• Update, correct, suppress, or delete credit bureau information based on investigation results and established procedures.
• Perform Metro 2 reporting reviews and data integrity validations to ensure accurate furnishing.
• Review exception reports, rejection reports, and account-level discrepancies; research findings and recommend corrective action.
• Process account maintenance affecting credit reporting, including bankruptcies, fraud, identity theft, deceased members, and SCRA accounts.
• Document investigations, account corrections, and supporting rationale in accordance with department procedures.
• Identify recurring issues, reporting trends, and potential risks, and communicate recommendations to the Credit Reporting & Disputes Manager.
• Coordinate with the Credit Reporting & Disputes Manager to resolve escalated reporting issues, support vendor and bureau communications, and implement process improvements.
• Support audits, examinations, system testing, conversions, and reporting reviews by gathering documentation and completing assigned activities.
• Maintain department procedures, job aids, and process documentation, and recommend updates as needed.
• Assist members and internal staff with questions related to credit reporting and dispute processes.
• Maintain records supporting investigations, corrections, and regulatory compliance requirements.
• Comply with applicable federal regulations, including the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
• Perform other duties as assigned.

Benefits

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for health care and dependent care expenses
• Employee and dependent life insurance
• 401(k) retirement plan with 100% match on the first 5% contributed by the employee
• Paid leave
• Tuition reimbursement and competitive scholarships
• Short-term and long-term disability benefits
• Employee Assistance Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree