Analyst, Credit Bureau Reporting and Corrections

This is a fully remote position, open to applicants in United States.

📋 Description

• Conduct investigations into credit reporting disputes by assessing company records against Metro 2 credit reporting standards and company policies.

• Address credit disputes utilizing Automated Consumer Dispute Verification through E-Oscar.

• Submit corrections or updates to credit reports using Automated Universal Data forms via E-Oscar.

• Assess the necessity of credit reporting corrections and perform research, modifications, or corrections as needed.

• Execute necessary loan updates and ensure accurate system documentation.

• Work collaboratively with internal teams to address inquiries and resolve complaints.

• Monitor trends and communicate findings to management.

• Investigate payment histories, posted payments, escrow disbursements, escrow analyses, loan balances, ARM adjustments, and cash applications.

• Manage escalated credit reporting issues efficiently.

• Provide support to internal business units as required.

• Stay informed about RESPA, TILA, FCRA, and CFPB regulations.

• Adhere to department and company policies and procedures.

• Undertake additional duties and projects as assigned.

⛳️ Requirements

• Familiarity with the Metro 2 format is advantageous.

• Preferred knowledge or experience with credit reporting and the FCRA.

• Strong understanding of federal and state laws and guidelines related to mortgage servicing, including RESPA and CFPB.

• In-depth knowledge of mortgage servicing operations, inclusive of payment processing, escrow, taxes, insurance, boarding, and credit reporting.

• Excellent research and analytical skills.

• Capability to work accurately in a production-oriented environment.

• Exceptional verbal and written communication abilities.

• Capacity to work independently under stringent deadlines.

• Proficiency in Microsoft Office Suite.

• Familiarity with relevant industry-specific software packages is preferred.

• Strong critical thinking, problem-solving, and sound judgment capabilities.

• A team player with a keen attention to detail.

• Ability to make decisions that significantly affect departmental credibility, operations, and services.

• Skill in managing and prioritizing multiple concurrent assignments while meeting deadlines.

• Ability to comprehend opposing viewpoints on complex issues and negotiate while integrating diverse perspectives.

• Bachelor’s degree or equivalent work experience.

• Three (3) to five (5) years of related experience in mortgage servicing, the financial sector, and/or managing credit bureau disputes.

🏝️ Benefits

• Comprehensive healthcare plans for you and your family.

• Discretionary 401(k) match of 50% on the first 4% of pay contributed.

• Discounts on fitness, restaurants, retail, and other services available through the employee portal.

• Tailored training programs.

• Bonuses for employee referrals.

• Educational reimbursement opportunities.

• Community initiatives through the Carrington Charitable Foundation.

• Remote work from home options.