Collections - Senior Credit Reporting Operations Specialist

Mission Fed Credit Union; San Diego (CA); Sur place; USD 36 000 - 41 000; Plein temps

Avantages offerts par ce poste

Medical, dental, vision

Life insurance

401(k) match

PTO and holidays

Overalls concierge

Career growth opportunities

Résumé du poste

Mission Federal Credit Union in San Diego is seeking a Senior Credit Reporting Operations Specialist on-site to protect member trust through precise credit reporting and compliant dispute handling.

You will investigate disputes, collaborate across teams, and manage the full lifecycle of credit reporting cases, ensuring accuracy, documentation, and timely resolutions while upholding regulatory standards.

Qualifications

• Minimum 3 years in financial services, lending, collections, loan servicing, compliance, credit reporting, or related operations.
• At least 1 year of experience supporting investigations, dispute resolution, case management, or similar operational functions.
• Working knowledge of consumer credit reporting requirements, dispute investigation standards, FCRA, and CRRG guidance.
• Strong analytical, research, problem-solving, and decision-making skills.
• Ability to prepare clear, professional, and compliance-defensible documentation and case records.
• Experience managing multiple priorities and deadlines in a high-volume environment.
• Excellent written and verbal communication skills with a strong member-service mindset.
• Proficiency with Microsoft Office Suite and experience working with case management systems and research tools.
• High School Diploma, GED, or equivalent required.
• Associate's or Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Compliance, or a related field preferred.

Responsabilités

• Manage the full lifecycle of direct and indirect credit disputes, ensuring cases are handled accurately, thoroughly, and within regulatory and internal service level requirements.
• Investigate disputes by gathering facts, reviewing account histories, analyzing supporting documentation, and determining accurate outcomes.
• Identify reporting errors, documentation gaps, compliance concerns, recurring trends, and opportunities for corrective action.
• Collaborate with members, lending teams, collections, compliance, legal, operations, or credit bureaus to drive resolutions.
• Maintain thorough case records and compliant documentation.

Connaissances

Credit reporting

Dispute investigations

Regulatory compliance

Analytical skills

Documentation

Communication

Case management

Formation

High School Diploma or GED

Associate's or Bachelor's degree

Outils

Microsoft Office Suite

Case management systems

Research tools

Description du poste

Senior Credit Reporting Operations Specialist

On-site | San Diego, CA

Compensation: $26.00 - $30.00 per hour

Actual compensation will be determined by factors including experience, qualifications, skills, and internal equity.

Are you someone who loves solving complex problems, digging into the details, and ensuring the right outcome for every member? Do you enjoy investigating issues, identifying root causes, and partnering across teams to make meaningful improvements? Looking for an opportunity where your expertise can directly impact member trust, regulatory compliance, and the financial well-being of our members? If so, we may have the perfect opportunity for you!

Below are a few more details about our Senior Credit Reporting Operations Specialist opportunity.

• A compliance and credit reporting expert! Someone who understands consumer credit reporting, dispute investigations, FCRA requirements, and Metro 2 reporting standards, and can confidently apply that knowledge to complex member situations.
• A natural investigator! You're skilled at gathering facts, reviewing account histories, analyzing supporting documentation, and determining accurate, well-supported dispute outcomes while maintaining meticulous documentation.
• Not afraid to take ownership! You'll manage the full lifecycle of direct and indirect credit disputes, ensuring cases are handled accurately, thoroughly, and within regulatory and internal service level requirements.
• Focused on quality and risk management! You have a keen eye for identifying reporting errors, documentation gaps, compliance concerns, recurring trends, and opportunities for corrective action before they become larger issues.
• Collaboration comes naturally! Whether working with members, lending teams, collections, compliance, legal, operations, or credit bureaus, you know how to build partnerships and drive resolutions.
• Always looking for ways to improve! You enjoy analyzing dispute trends, identifying process improvements, and helping strengthen reporting accuracy, workflows, controls, and the overall member experience.
• Ready to make an impact! This role is critical to protecting member trust, ensuring fair and accurate credit reporting, and supporting Mission Fed's commitment to regulatory excellence and exceptional member service.

Here is what we are looking for:

• Minimum of 3 years of experience in financial services, lending, collections, loan servicing, compliance, credit reporting, or related operations
• At least 1 year of experience supporting investigations, dispute resolution, case management, or similar operational functions
• Working knowledge of consumer credit reporting requirements, dispute investigation standards, FCRA, and CDIA Credit Reporting Resource Guide (CRRG) guidance
• Strong analytical, research, problem-solving, and decision-making skills
• Ability to prepare clear, professional, and compliance-defensible documentation and case records
• Experience managing multiple priorities and deadlines in a high-volume environment
• Excellent written and verbal communication skills with a strong member-service mindset
• Proficiency with Microsoft Office Suite and experience working with case management systems and research tools
• High School Diploma, GED, or equivalent required
• Associate's or Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Compliance, or a related field preferred

Bonus points if you have experience with:

• e-OSCAR
• ACDVs and AUDs
• Metro 2 reporting
• Symitar
• Akuvo
• Credit bureau furnishing processes
• Loan servicing platforms
• Quality control and audit functions
• Bilingual communication skills
• FCRA Certification

What we offer:

• A great work environment. Our Team Members say so. We've proudly been named a Top Workplace multiple years running!
• A collaborative culture where your expertise is valued and your contributions make a difference.
• The opportunity to help members while supporting critical compliance and operational initiatives.
• 18 days of PTO in your first year plus 12 paid holidays.
• 6% 401(k) match.
• Comprehensive benefits package including medical, dental, vision, life insurance, and more.
• Personal concierge benefit through Overalls (100% employer paid).
• Career growth opportunities within a respected, member-focused credit union serving San Diego County.

If this sounds like an amazing opportunity to you (because honestly, it is!), we'd love to hear from you. Join a team that is committed to doing the right thing for our members, each other, and the communities we serve.

Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act ("CCPA")/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA.

Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law.