Credit Reporting and Disputes Specialist

Description

CIVIC CULTURE

Our organization believes we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. 

ABOUT THE POSITION

The Credit Reporting and Disputes Specialist is responsible for the review and accurate submission of credit data to the credit bureaus and the processing and response to consumer credit disputes. This role ensures full compliance with the Fair Credit Reporting Act (FCRA) and Metro 2 standards by performing timely and accurate data reviews, corrections, and updates using tools such as e-OSCAR. 

NORMAL DAY-TO-DAY WORK

1.  Monitor and validate credit bureau reporting files for accuracy and completeness.
2.  Investigate and resolve consumer disputes received through e-OSCAR and direct channels within FCRA/FACTA-mandated timelines.
3.  Analyze loan servicing and system data to validate account statuses, payment histories, and other reported information.
4.  Submit updated or corrected credit reporting data as necessary.
5.  Research consumer complaints related to credit reporting, document findings, and determine appropriate resolutions.
6.  Maintain detailed documentation of dispute resolution processes and outcomes.
7.  Respond to credit verification requests.
8.  Collaborate with Loan Operations, Collections, and Risk and Compliance to resolve data discrepancies related to credit reporting.
9. Support audits and regulatory exam reviews by providing documentation and subject matter input.
10. Maintain compliance with FCRA, CFPB regulations, and industry best practices.
11.  Stay current on FCRA requirements, Metro 2® changes, and industry best practices.
12.  Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.

JOB QUALIFICATIONS

Here are a few skills you MUST have to be qualified for this position.

1.  1 – 3 years of experience in credit bureau reporting and dispute management.
2.  Familiarity with FCRA/FACTA, Metro 2 reporting standards, and e-OSCAR.
3.  Excellent verbal, written, telephone and interpersonal communication skills.
4.  Must possess a strong service orientation.
5. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.
6.  Ability to lift a minimum of 25 lbs. (file boxes, computer).
7.  Travel required on occasion.
8. Here are a few qualities we’d LIKE for you to have to make you more suited for this position.
9.  Bachelors degree in Business, Finance, or related field (or equivalent experience).
10.  Familiarity with credit bureau systems.
11. Experience with loan servicing or core banking systems.
12. CDIA FCRA Credit Reporting Compliance Certification. 

CONTACT US

If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: 

Civic Human Resources

3600 Wake Forest Road, Raleigh, NC 27609 

[email protected]