Associate Credit Reporting Specialist

State Employees' Credit Union; Raleigh (NC); Hybrid; USD 42,000 - 52,000; Full time

Benefits offered by this job

Hybrid work environment

Job summary

State Employees' Credit Union in Raleigh seeks a Credit Reporting Specialist to work with seasoned specialists. You will research disputes, validate data, and respond to members with clarity and accuracy to ensure fair credit reporting.

The role requires attention to detail, strong communication skills, and ongoing training in credit reporting standards and SECU policies. Hybrid work arrangements apply, with some on-site collaboration.

Qualifications

• Must have HS Diploma or GED and be willing to complete ongoing training.
• Demonstrated ability to manage tasks within strict time requirements.
• Ability to research regulations and SECU policies.
• Excellent verbal and written communication skills.

Responsibilities

• Investigate and respond to direct and indirect consumer credit disputes following FCRA and Metro 2 standards.
• Validate credit reporting data for SECU and process corrections as needed.
• Communicate status of disputes to members and staff; research concerns and resolve them.

Skills

Attention to detail

Verbal & written communication

Regulatory awareness

Data entry

Microsoft Office proficiency

Education

HS Diploma or GED

Four-year degree preferred

Tools

e-Oscar

Data Studio

Microsoft Office

Job description

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team! Position Overview: To work directly with seasoned Credit Reporting Specialists, utilizing knowledge of the Fair Credit Reporting Act (FCRA) and related regulations, along with knowledge of Metro 2® furnishing rules, to ensure the accuracy and integrity of SECU credit reporting data for SECU members, by researching and responding to credit reporting disputes. To provide exceptional member service through the quality of the work completed for the membership.

Essential Responsibilities

1. Works under general supervision and follows established policies, procedures and requirements under the FCRA and Metro 2® furnishing requirements to investigate and respond to direct and indirect consumer credit disputes. Validates credit reporting data for SECU and process corrections when necessary, ensuring a positive member experience.
2. Communicates with members and member-facing staff on status of credit dispute matters, including researching reporting concerns and acting on resolution.
3. Develop credit reporting knowledge -- Complete training on credit reporting basics, federal CDIA guidance, Metro2® reporting standards, and SECU policies and procedures related to furnishing and disputing credit data.
4. Complete required learning modules and continuing education requirements.

Required Education & Experience (Knowledge, Skills, & Abilities)

• Minimum education: HS Diploma or GED
• Minimum direct experience: 0-2 years of credit reporting experience
• Demonstrated ability to complete tasks within stringent time requirements
• Must be able to use available resources to locate and acquire information regarding regulations and SECU policies and guidelines
• Must be willing to engage in ongoing training and professional development
• Ability to comprehend and carry out verbal and written instructions
• High attention to detail
• Excellent verbal and written communication skills
• Ability to cooperate and collaborate with co-workers and others
• Experience using Microsoft Office products
• Proficiency in data entry

Preferred Education & Experience (Knowledge, Skills, & Abilities)

• Prefer a four-year degree
• Prefer one year of direct credit reporting experience
• A general knowledge of loan originations and loan servicing systems
• A general knowledge of lending compliance and relevant regulations, including FCRA, FACTA, GLB, BSA, ECOA, and UDAAP, as related to ensuring fair and accurate credit reporting
• Experience using e-Oscar or credit dispute management software
• Experience using Data Studio or equivalent data furnishing validation software
• Experience operating in a highly regulated role

Job Environment & Physical Requirements

• Hybrid work environment allowing remote work and requiring work from our Raleigh office at least 3 days per month
• Must be able to sit for prolonged periods of time
• Must be able to use a telephone for prolonged periods of time
• Must be able to use a computer for prolonged periods of time

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.

Disclaimer State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need. State Employees' Credit Union is a not-for-profit, member-owned financial cooperative with a "Do the Right Thing" mission and a goal of helping people in our community. SECU values the differences in our staff and in our North Carolina communities. We believe that embracing the uniqueness of individuals makes our cooperative stronger, more innovative and better able to serve SECU members.