Dialer Analyst New UT - Cottonwood Heights

Social Finance Inc.; Cottonwood Heights (UT); On-site; USD 70,000 - 88,000; Full time

Benefits offered by this job

Fully stocked kitchen

Access to senior leadership

Round tables with executives

Job summary

SoFi is seeking a Specialty Servicing Associate in Utah to investigate and resolve consumer credit disputes, post payments, and handle refund processing. You will review internal records, communicate corrections to bureaus, and ensure compliance with FCRA and privacy guidelines.

You'll input data into systems, analyze transactions for accuracy, and collaborate with credit bureaus and internal teams. Prior e-OSCAR experience and MS Office proficiency are valued.

Qualifications

• Must have strong data entry skills (10-key and alpha-numeric).
• Ability to meet tight deadlines and maintain accuracy.
• Excellent verbal and written communication skills.
• Experience with e-OSCAR and credit bureau processes.
• Prior banking or loan servicing experience preferred.

Responsibilities

• Input data into company systems accurately and timely.
• Research and analyze data to ensure transactions are correct and balanced.
• Identify operational risks and escalate as needed.
• Communicate with credit bureaus and internal customers regularly.
• Process payments, refunds, and posting activities.
• Perform account reviews and ensure FCRA compliance.
• Maintain confidentiality of sensitive data.

Job description

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role

The Specialty Servicing Associate is responsible for investigating and resolving consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus. Also responsible for backend admin processing, including manually posting payments received by check, via mail, online lockbox and wire payments; Processing refunds, performing credit adjustments, and processing incoming mail.

What you’ll do:

• Accurately input data into company system without errors
• Research, analyze and review data to ensure transactions are correct, balanced and completed
• Ability to identify operational risks and their impacts related to a specific task or procedure
• Ability to recognize potential problems that require escalation, and partner with the appropriate stakeholders to find a solution to the problem
• Maintain an awareness of and act in accordance with team goals and business unit policies
• Ensure appropriate distribution of sensitive data or images
• Interacts regularly with management and stakeholders from other departments as needed
• Responds to general customer information inquiries
• Investigates/Answers/Resolves credit reporting disputes within set parameters.
• Investigates disputes involving claims of fraud and/or identity theft.
• Retrieves daily disputes received through E-Oscar. Researches and responds to the dispute,performs the necessary updating of the loan data and E-Oscar.
• Responds to questions regarding credit inquiries via mail and telephone.
• Responds to consumer's request for good faith adjustments.
• Performs account level reviews and root cause analysis.
• Updates loan data on internal systems as needed.
• Performs all functions in accordance with all applicable laws and regulations, including but not limited to the Fair Credit Reporting Act (FCRA).
• Ensures confidential, sensitive information and data of the Company is secured and disposed of in accordance with company policies and guidelines.
• Maintains and logs all credit report inquiries and disputes.
• Verifies all reporting is in compliance with FCRA and CDIA Credit Reporting Resource Guide.
• Review and process physical checks.
• Print and mail out statements to borrowers that have opted-out of digital statements.

This position will be in office . Remote options for this position are not available.

What you’ll need:

• Proficient in data entry (10 key and alpha-numeric)
• Must be able to work under tight deadlines
• Excellent verbal and written communication skills
• Ability to effectively communicate with third party vendors (credit bureaus, e-OSCAR) and internal customers
• Prior experience working with e-OSCAR
• Prior experience reviewing bankruptcy documentation and working with Pacer
• Previous experience in a bank or servicing environment preferred but not required
• Ability to work independently and on a team
• Proficient in MS Office (Proficiency in Excel required)
• Ability to think critically in a fast-paced environment

Nice to have:

• Familiarity with FCRA rules and regulations/Previous experience working in a regulatory role
• Ability to read credit bureau reports
• Preferably 1+ years of experience in the consumer lending industry

Full Time University Grad Benefits: View Link

Internship Highlights include:

In addition to a unique and challenging professional experience, interns will also receive perks such as invites to Member events, and more!

• Fully stocked kitchen (snacks & drinks)
• Access to senior leadership, including round tables with executives across all functions of SoFi

Pay range: $70,400.00 - $88,000.00

Payment frequency: Annual

This role is also eligible for a bonus and competitive benefits. More information about our employee benefits can be found in the link above.

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [e-mail].

We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico at this time.