Associate Credit Reporting Specialist

State Employees' Credit Union; Raleigh (NC); Hybrid; USD 42,000 - 62,000; Full time

Job summary

State Employees' Credit Union is seeking a Credit Reporting Specialist to work with seasoned specialists, ensuring accuracy of reporting data and timely responses to disputes. You will research disputes under FCRA and Metro 2, maintaining high member service quality.

The role emphasizes communication with members and staff, data validation, and alignment with SECU policies, in a hybrid work environment with on-site Raleigh presence.

Qualifications

• Minimum education: HS Diploma or GED.
• 0-2 years of credit reporting experience.
• Excellent verbal and written communication; proficient in data entry and MS Office.

Responsibilities

• Investigate and respond to direct and indirect consumer credit disputes under FCRA and Metro2 rules.
• Communicate with members and staff on dispute status and resolutions.
• Assist in completing department reports aligning with CDIA guidance and SECU policies.

Skills

Verbal communication

Written communication

Data entry

Microsoft Office

English fluency

Education

HS Diploma or GED

Four-year degree (preferred)

Tools

e-Oscar

Credit dispute software

Data Studio

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:

(75 %) 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. (15 %) Communicates with members and member-facing staff on status of credit dispute matters, including researching reporting concerns and acting on resolution. (10 %) Works with Specialists completing entry level department reports using newly developed credit reporting knowledge, to maintain alignment with federal CDIA guidance, Metro2® reporting standards, and SECU policies and procedures.

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

Minimum education: HS Diploma or GED Minimum direct experience: 0-2 years of credit reporting experience Experience completing tasks within stringent time requirements Excellent verbal and written communication skills Experience using Microsoft Office products Proficient in data entry Must be able to speak English fluently.

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.