Credit Service Representative

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

📋 Description

• Conduct investigations, verification, and analysis of credit, employment, and financial details that support mortgage underwriting.

• Engage with customers through various inbound and outbound communication channels.

• Oversee incoming and outstanding requests for credit report supplements.

• Analyze and assess credit reports, including scenarios involving bankruptcy and foreclosure.

• Provide prompt and precise information to both customers and internal teams.

• Adhere to federal and state regulations, privacy standards, internal procedures, workflows, and policy guidelines.

• Accurately document work and efficiently route inquiries.

• Collaborate with credit operations, underwriting support, production teams, and customer-facing departments.

• Prioritize supplement requests and address credit or documentation challenges.

• Ensure accuracy and maintain service levels in a call center environment.

• Assist in achieving production targets for volume, turnaround time, quality, customer satisfaction, and compliance.

⛳️ Requirements

• Background in the financial services or mortgage services sector (mandatory).

• Solid knowledge of credit services, reports, and regulatory aspects.

• Experience in customer service within a professional setting.

• Capability to interpret intricate credit situations, including foreclosure and bankruptcy conditions.

• Outstanding communication, decision-making, persuasion, and problem-solving abilities.

• Comfort in a fast-paced, goal-oriented, and team-based environment.

• Proficient in Microsoft Office applications.

• Bilingual in Spanish and English is highly preferred.

• Availability to work during the PST time zone.

• Must currently reside within the United States.

🏝️ Benefits

• 401(k) plan with company match.

• Medical, Dental, and Vision insurance.

• Flexible Spending Account (FSA).

• Life insurance coverage.

• Short-term and long-term disability insurance.

• Paid holidays.

• 19 days of Paid Time Off (PTO), totaling 28 paid days per year.

• Remote-first work culture.

• Distributed team with asynchronous collaboration and flexibility across time zones.

• Opportunities for employee training and inclusive growth.