Analyst, Credit Bureau Reporting and Corrections

Carrington; Lincoln (NE); Remote; USD 42,000 - 45,000; Full time

Benefits offered by this job

Healthcare plans

401(k) match

Employee discounts

Training programs

Referral bonuses

Educational reimbursement

Carrington Charitable Foundation

Job summary

Carrington Mortgage Services is seeking a Credit Bureau Reporting & Corrections Analyst to handle electronic disputes, review inquiries, disputes and complaints, research issues, and provide responses within deadlines. The approved starting pay for this role is $30.32 - $32.80 per hour.

You can work remotely from home, serving as part of a team that ensures accurate reporting and compliance. Responsibilities include investigating disputes, submitting corrections via E-Oscar, collaborating with

Qualifications

• Familiarity with Metro 2 format is a plus.
• Knowledge/Experience with credit reporting and FCRA is preferred.
• Working knowledge of federal and state laws and guidelines pertaining to mortgage servicing (RESPA, CFPB, etc.).
• Strong operations knowledge including payment processing, escrow, taxes and insurance.
• Excellent critical thinking, problem solving and sound judgment.
• Able to work independently with high accuracy and as part of a team.
• Strong written and verbal communication skills.
• Ability to manage multiple tasks with deadlines.

Responsibilities

• Investigate credit reporting disputes using Metro 2 standards and Carrington policy.
• Respond to disputes via E-Oscar and submit corrections to bureaus.
• Determine if corrections are warranted and modify reporting accordingly.
• Make loan updates with proper system notation.
• Collaborate with internal departments to resolve inquiries and report trends.
• Research loan data (payments, escrow, balances) to support dispute responses.
• Handle escalated credit reporting issues and support business units.
• Stay up to date with RESPA, TILA, FCRA and CFPB regulations.
• Adhere to department and company policies.

Skills

Metro 2 format familiarity

Credit reporting

FCRA knowledge

RESPA knowledge

CFPB knowledge

MS Office

Industry software

Analytical skills

Attention to detail

Communication

Team player

Self-motivation

Education

Bachelor’s degree or equivalent work experience

Tools

E-Oscar

AU Data forms

Credit bureau systems

MS Office suite

Job description

Come join our amazing team and work remotely from home!

JOB SUMMARY:

The Credit Bureau Reporting & Corrections Analyst is responsible for handling Electronic Credit Bureau Disputes, reviewing all credit inquiries, disputes and complaints from borrowers or their authorized representatives, researching and resolving issues, and providing responses within deadlines. Perform all duties in accordance with all company guidelines and applicable federal, state, and local regulations, wherein the company operates. The approved starting pay for this role is $30.32 - $32.80 per hour.

WHAT YOU’LL DO

• Investigate credit reporting disputes by analyzing our records in comparison to the industry standards (Metro 2® Format) for Credit Reporting, in addition to Carrington's own company policy for accurate credit reporting.

• Respond to credit disputes (Automated Consumer Dispute Verification) via E-Oscar; submits credit corrections or updates (Automated Universal Data forms) to the credit bureaus via E-Oscar.

• Determine if a credit reporting correction is warranted and researches, modifies, or corrects credit reporting as appropriate.

• Make any loan updates required while ensuring proper notation in the system or record.

• Work closely with internal departments to resolve inquiries or complaints while tracking trends to report back to management.

• Conduct research including, but not limited to, interpreting payment histories verifying loan data such as payments posted, escrow disbursements, escrow analysis, loan balance information, ARM loan adjustments and cash applications to ensure a proper dispute response.

• Handle escalated credit reporting issues and provides support to internal business units as needed.

• Must continuously learn and keep up to date with the Regulations related to the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA) the Fair Credit Reporting Act (FCRA), and the Consumer Financial Protection Bureau (CFPB).

• Adhere to established department and company policies and procedures.

Performs other duties and works on other projects as assigned.

WHAT YOU’LL NEED

Familiarity with Metro 2 format is a plus

Knowledge/ Experience with credit reporting and FCRA is a preferred

Working knowledge of federal and state laws and guidelines pertaining to mortgage servicing (RESPA, CFPB, etc.)

Strong working knowledge of all aspects of operations, including payment processing, escrow, taxes, and insurance, boarding, credit reporting etc., and be able to assist members of those departments in resolving issues.

Strong research/analytical skills

Ability to perform in a production driven environment while maintaining a high level of accuracy.

Communicate with exceptional verbal and written skills.

High degree of self-motivation and ability to work independently under tight deadlines.

Knowledge of Microsoft Office Suite of applications

Knowledge of relevant industry-specific software packages preferred

Excellent critical thinking, problem solving and sound judgment skills

Must be a team player with strong attention to detail and able to work independently

Ability to make decisions that have significant impact on the department’s credibility, operations, and services

Ability to manage and prioritize multiple simultaneous assignments while meeting deadline requirements.

Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoint

• Bachelor’s degree or equivalent work experience.

• Three (3) to (5) years of related work experience in mortgage servicing, financial industry, and/or experience handling credit bureaus disputes required.

Our Company:

Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com .

What We Offer:

• Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.

• Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.

• Customized training programs to help you advance your career.

• Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow.

• Educational Reimbursement.

• Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org .

#Carrington

#LI-RR1

Notice to all applicants: Carrington does not do interviews or make offers via text or chat.

Carrington Mortgage Services is a fully integrated mortgage company with mortgage lending and servicing operations and an affiliated real estate brokerage. We are part of Carrington Holding Company, LLC , which owns and operates multiple businesses that cover virtually every aspect of single family residential real estate transactions.

Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.