Credit Bureau Specialist

PenFed Credit Union; Omaha (NE); Sur place; USD 25 000 - 40 000; Plein temps

Résumé du poste

PenFed Credit Union in Omaha, NE is hiring a Credit Bureau Specialist to investigate and respond to credit bureau disputes onsite at our Service Center. The role requires an Associate’s degree and at least 2 years in credit bureau processes, with knowledge of consumer loan origination practices.

The specialist will ensure compliance with FCRA and Metro II guidelines, work with bureaus, and provide accurate dispute resolutions, while maintaining strong communication with internal and external

Qualifications

• Associate degree is required.
• Minimum of two years of experience in credit bureau processes.
• Knowledge of consumer loan origination practices is required.
• Detail-oriented, resourceful and able to manage shifting priorities, with the flexibility to adapt quickly to change.
• Strong analytical and problem-solving skills.
• Ability to self-motivate with little oversight.
• Ability to communicate with internal and external teams.
• Experience in using AI tools preferred.

Responsabilités

• Perform quality control on direct and indirect disputes resolved by credit dispute specialists.
• Partner with third-party vendors to enhance processes, training and QC processed disputes.
• Assist in providing resolution to any inaccuracies identified.
• Act as a point of contact regarding credit bureau dispute processing.
• Answer inbound calls related to credit bureau issues and questions.
• Partner with the credit bureaus (Experian, Equifax, TransUnion, Innovis) on account resolutions.
• Assist with validating the monthly credit reporting file for accuracy and integrity.
• Maintain current knowledge of FCRA and Metro II Guidelines.
• Identify gaps in department processes and procedures, suggesting improvements to leadership.
• Participate in department projects and audits as needed.
• Assist with audits by internal auditors, third party and regulator audits.
• Assist in answering member concerns regarding credit bureau disputes and outcomes.
• Determine legitimacy and outcome of disputes and communicate status to members in writing.
• Maintain understanding of state and federal laws related to credit union compliance.

Connaissances

Detail-oriented

Analytical skills

Communication skills

Self-motivated

Adaptability

AI tools experience

Formation

Associate's degree in business or related field

Outils

AI tools

Description du poste

PenFed is hiring a Credit Bureau Specialist to work onsite at our Omaha, Nebraska Service Center. The primary purpose of the Credit Bureau Specialist role is to investigate and respond to credit bureau disputes while maintaining compliance and accuracy. The incumbent will ensure compliance and balance with standard credit bureau reporting.

An equivalent combination of education and experience is considered.

• Associate’s degree in business or related field is required.
• Minimum of two (2) years of experience in credit bureau processes required.
• Knowledge of consumer loan origination practices is required.
• Detail-oriented, resourceful and able to manage shifting priorities, with the flexibility to adapt quickly to change.
• Strong analytical and problem-solving skills.
• Ability to self-motivate with little oversight.
• Ability to communicate with internal and external teams.
• Experience in using A.I. tools preferred.

Supervisory Responsibility

This position will not supervise employees.

Licenses and Certifications

There are no additional certifications required.

Work Environment

While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.

*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*

Travel

The ability to travel to various sites and be on call is not required.

Pay TransparencyThe anticipated starting hourly range for this role is $18.56 - $29.36This position is eligible for an organizational performance based annual bonus, subject to board discretion and approval.This position is eligible for an individual performance based annual bonus.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.

• Perform quality control on direct and indirect disputes resolved by credit dispute specialists.
• Partner with any third-party vendors to enhance processes, training and QC processed disputes.
• Assist in providing resolution to any inaccuracies identified.
• Acts as a point of contact regarding credit bureau dispute processing.
• Answer in-bound calls that are related to credit bureau issues and questions.
• Partner directly with the credit bureaus (Experian, Equifax, TransUnion and Innovis) on account resolutions.
• Assist with validating the monthly credit reporting file for accuracy and integrity.
• Maintain current knowledge of FCRA and Metro II Guidelines.
• Identify gaps in department processes and procedures, recommending improvements to leadership.
• Participate in department projects and initiatives as needed.
• Assists with audits by internal auditors, as well as third party and regulator audits.
• Assists in answering member concerns regarding credit bureau disputes generated from complaints received.
• Perform the necessary account research to determine the legitimacy and ultimate outcome of credit bureau disputes and requests for adjustments and communicate the status of such requests to members in writing.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including FCRA, BSA, and AML laws appropriate to the position.
• Review policies, procedures, and guidelines and suggest recommendations for improvement.