Credit Service Representative(s)

Xactus; United (PA); Remote; USD 10,000 - 60,000; Full time

Job summary

Join an innovative leader in the mortgage industry as a Credit Service Representative! This fully remote position offers a supportive environment where you can thrive and develop your skills. You'll be the primary contact for customers, addressing inquiries and resolving issues related to credit reports. Enjoy a flexible work-life balance while contributing to a team that values respect and collaboration. With competitive pay and a range of benefits, this role is perfect for those looking to make a positive impact in customer service.

Benefits

Health Insurance

Vision Insurance

Dental Insurance

401k Plan

Life Insurance

Employee Assistance Program

Legal Services

Employee Discounts

Fitness Reimbursement

Flexible Spending Account

Qualifications

• Minimum of a high school diploma or equivalent required.
• At least two years of experience in a customer service role preferred.

Responsibilities

• Provide excellent customer service through inbound and outbound calls.
• Analyze incoming requests and manage supplement requests.

Skills

Verbal Communication

Written Communication

Customer Service

Problem Solving

Multi-tasking

Education

High School Diploma

Associate Degree

Bachelor's Degree

Job description

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Category

Customer Service Department

Description

WHO WE ARE :

Xactus (pronounced 'Zac-tus') is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus works closely with our clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy - while also closing more loans more quickly with greater profitability.

Xactus is proud to provide a friendly work environment that is primarily remote. We currently have only 3 physical offices (PA, MD, and FL) but even team members within commuting distances of our offices are not required to report to the physical office. Our remote workforce provides many opportunities for you to enhance your skills while maintaining a healthy work / life balance.

Our top-notch financial leadership team prioritizes building talent. If you are curious and searching for a change that will be fun and rewarding, please reach out to us! We would love to have you on our team!

WHO YOU ARE :

You are a career-minded, driven individual who is looking for a position that challenges you and supports your professional development.

THE BENEFITS WE OFFER :

A friendly, supportive environment which is highly rated by Xactus employees. Feedback from our employees says : "The people I work with treat each other with respect," "I feel accepted by my coworkers" and "The person I report to cares about me as a person."

Health, vision and dental insurances, bonus programs, fitness reimbursement and other healthy life-style programs, 401k plan, short and long-term disability, life Insurance, accident and critical illness insurance, health savings account, flexible spending account, employee assistance program, legal services, employee discounts and more!

SUMMARY :

The Credit Service Representative (CSR) is a customer-centric, detail-oriented individual who serves as primary point of contact for our customers, addressing inquiries and resolving problems related to credit reports.

This is a full-time position, Monday - Friday 11 : 30AM to 8 : 00PM Eastern Standard Time (EST). Starting pay rate for this position is $18.30 per hour, but pay is commensurate with experience.

Fully remote; candidates based anywhere in the U.S. are encouraged to apply. Training is typically the first 4-6 weeks, and will also be fully remote at this time.

A laptop and work equipment will be provided!

ESSENTIAL FUNCTIONS :

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate based on business needs at its discretion.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Provide excellent customer-centric service in line with company standards through inbound and outbound calls.
• Analyzes incoming electronic and telephonic information and verification requests.
• Manages incoming supplement requests as well as pending requests.
• Directs calls and inquiries to appropriate area / function as applicable; liaise with other departments within Xactus to handle requests and queries from customers effectively.
• Processes sensitive personal information (PI); follow communication procedures, guidelines, and policies, ensuring compliance with data privacy regulations and secure handling of confidential information.
• Provides timely and accurate information to incoming customer calls / electronic requests.
• Processes supplements on a timely basis. Meeting departmental goals on production, turn-time and quality.
• Review and interpret credit reports and data contained within.
• Must understand some complicated issues like foreclosure, bankruptcy and other implications on status with handling credit verifications.
• Adheres strictly to training manual and procedures.
• Follows all workflows and documents all actions in proprietary system.
• Answers incoming phone calls within 3 rings.
• Participates in skills training, as requested.
• Adheres to, and maintains compliance with, all Federal and State regulations and Universal policies and procedures.
• Maintain a deep understanding of Xactus' products, services and policies to ensure accurate and consistent communication to the customer.
• Assists other team members as needed.

Position Requirements

QUALIFICATIONS :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND / OR EXPERIENCE :

• A minimum of a high school diploma or equivalent. Associate or bachelor's degree preferred.
• At least two years of experience in a customer service role, preferably in the financial services or credit services industry.
• Strong understanding of credit services and regulations preferred.
• Experience in a call center environment helpful.

SKILLS AND COMPETENTCIES :

• Excellent verbal and written communication skills
• Excellent customer service and interpersonal skills
• Ability to multi-task and prioritize accordingly
• Ability to remain flexible, adapt to a changing environment, shift priorities as needed
• Ability to maintain confidential information
• Ability to analyze and solve problems
• Ability to work independently and in a team environment; develop and maintain effective working relationships with customers and all levels of the organization
• Proven initiative, is a self-starter
• Possess proactive approach
• Has a great attitude and positive outlook

WORKING CONDITIONS

This is a remote position. In this role, you are required to have a high speed internet connection, and a quiet, distraction-free work environment that is conducive to productivity.

PHYSICAL DEMANDS

Xactus promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. Please contact your supervisor or Human Resources with questions regarding the physical demands of this position.

• Lifting / carrying up to 10 lbs.
• Manual dexterity for computer and phone work
• Speaking, hearing and vision are required to perform essential functions

ADDITIONAL INFORMATION REGARDING EMPLOYMENT WITH XACTUS :

If applying for a position at Xactus, candidates must be a resident of the United States, and should be authorized and eligible for employment in the United States. Xactus does not provide visa sponsorship at this time.

If hired to work at Xactus, employment is contingent upon successful completion of required background checks and pre-employment drug screening.

Full-Time / Part-Time

Full-Time

Shift

Days

City

Number of Openings

Exempt / Non-Exempt

Non-Exempt

CUS-25-00001

Open Date

4 / 30 / 2025

Location

Remote- All

This position is currently accepting applications.

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