Credit Reporting Specialists

United Wholesale Mortgage•Pontiac, MI

About The Position

The Mortgage Servicing Credit Reporting Specialist is responsible for ensuring the accurate and timely reporting of mortgage loan data to credit bureaus in compliance with the Fair Credit Reporting Act (FCRA), Metro 2® format, investor guidelines, and company policies. This role plays a key part in maintaining data integrity and resolving credit disputes to protect the organization from regulatory risk and support borrower credit accuracy.

Requirements

2+ years of experience in mortgage servicing, credit reporting, or related financial services role
Familiarity with credit bureau reporting standards (Metro 2® format) and FCRA regulations
Proficient with loan servicing systems (e.g., MSP, Black Knight, or similar) and credit reporting tools
Strong analytical and problem-solving skills
High attention to detail and accuracy
Excellent written and verbal communication skills
Ability to manage multiple priorities and meet strict deadlines
Strong organizational and documentation skills
Proficiency in Microsoft Office (Excel, Word, Outlook)
High school diploma or equivalent

Nice To Haves

Associate’s or Bachelor’s degree in finance, accounting, or related field
Experience working with the e-Oscar platform for credit dispute resolution.
Knowledge of investor (Fannie Mae, Freddie Mac, FHA, VA) reporting guidelines.
Prior experience in regulatory audits or quality control.

Responsibilities

Prepare and submit monthly credit bureau files using Metro 2® format for all active mortgage loans.
Ensure all data reported to credit bureaus is accurate and in compliance with FCRA and company standards.
Research and resolve borrower credit reporting disputes received from credit bureaus (e-Oscar), internal teams, or directly from borrowers.
Coordinate with internal departments (e.g., default servicing, payment processing, loss mitigation) to validate loan data.
Maintain detailed records of credit reporting activities and dispute resolutions.
Monitor exception reports and perform audits to identify and correct reporting errors proactively.
Respond to credit bureau inquiries and follow through on updates or corrections within regulatory timeframes.
Assist with internal and external audits related to credit reporting.
Support implementation of credit reporting system updates or process improvements.
Stay current with regulatory changes and credit reporting best practices.

Benefits

Paid Time Off (PTO) after just 30 days
Additional parental and maternity leave benefits after 12 months
Adoption reimbursement program
Paid volunteer hours
Paid training and career development
Medical, dental, vision and life insurance
401k with employer match
Mortgage discount and area business discounts
Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon
Gourmet cafeteria featuring homemade breakfast and lunch
Convenience store featuring healthy grab-and-go snacks
In-house Starbucks and Dunkin
Indoor/outdoor café with Wi-Fi