Remote Credit Bureau Disputes & Corrections Analyst

Carrington; Helena (MT); Remote; USD 34,000 - 37,000; Full time

Benefits offered by this job

Comprehensive healthcare plans for you

Discretionary 401(k) match

Employee discounts through portal

Educational Reimbursement

Referral bonuses

Carrington Charitable Foundation

Job summary

Carrington Mortgage Services is seeking a Credit Bureau Reporting & Corrections Analyst to handle electronic disputes, review inquiries, disputes and complaints from borrowers, and provide timely resolutions in accordance with CFPB, FCRA, and RESPA guidelines.

This remote role offers starting pay $30.32-$32.80 per hour and requires strong analytical skills, knowledge of Metro 2, mortgage servicing regulations, and the ability to work under tight deadlines while coordinating with internal teams.

Qualifications

• Familiarity with Metro 2 format is a plus
• Knowledge/ Experience with credit reporting and FCRA is a preferred
• Working knowledge of federal and state laws and guidelines pertaining to mortgage servicing (RESPA, CFPB, etc.)
• Strong working knowledge of all aspects of operations, including payment processing, escrow, taxes, and insurance, boarding, credit reporting etc., and be able to assist members of those departments in resolving issues.
• Strong research/analytical skills
• Ability to perform in a production driven environment while maintaining a high level of accuracy.
• Communicate with exceptional verbal and written skills.
• High degree of self-motivation and ability to work independently under tight deadlines.
• Knowledge of Microsoft Office Suite of applications
• Knowledge of relevant industry-specific software packages preferred
• Excellent critical thinking, problem solving and sound judgment skills
• Must be a team player with strong attention to detail and able to work independently
• Ability to make decisions that have significant impact on the department’s credibility, operations, and services
• Ability to manage and prioritize multiple simultaneous assignments while meeting deadline requirements.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoint
• Bachelor’s degree or equivalent work experience
• Three (3) to (5) years of related work experience in mortgage servicing, financial industry, and/or experience handling credit bureaus disputes required.

Responsibilities

• Investigate credit reporting disputes by analyzing our records in comparison to the industry standards (Metro 2® Format) for Credit Reporting, in addition to Carrington's own company policy for accurate credit reporting.
• Respond to credit disputes (Automated Consumer Dispute Verification) via E-Oscar; submits credit corrections or updates (Automated Universal Data forms) to the credit bureaus via E-Oscar.
• Determine if a credit reporting correction is warranted and researches, modifies, or corrects credit reporting as appropriate.
• Make any loan updates required while ensuring proper notation in the system or record.
• Work closely with internal departments to resolve inquiries or complaints while tracking trends to report back to management.
• Conduct research including, but not limited to, interpreting payment histories verifying loan data such as payments posted, escrow disbursements, escrow analysis, loan balance information, ARM loan adjustments and cash applications to ensure a proper dispute response.
• Handle escalated credit reporting issues and provides support to internal business units as needed.
• Must continuously learn and keep up to date with the Regulations related to the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA) the Fair Credit Reporting Act (FCRA), and the Consumer Financial Protection Bureau (CFPB).
• Adhere to established department and company policies and procedures.
• Performs other duties and works on other projects as assigned.

Education

Bachelor’s degree or equivalent work experience

Job description

Carrington Mortgage Services is seeking a Credit Bureau Reporting & Corrections Analyst to handle electronic disputes, review inquiries, disputes and complaints from borrowers, and provide timely resolutions in accordance with CFPB, FCRA, and RESPA guidelines.

This remote role offers starting pay $30.32-$32.80 per hour and requires strong analytical skills, knowledge of Metro 2, mortgage servicing regulations, and the ability to work under tight deadlines while coordinating with internal teams.