Senior Credit Reporting & Disputes Specialist

Mission Fed Credit Union; San Diego (CA); On-site; USD 36,000 - 41,000; Full time

Benefits offered by this job

Medical, dental, vision

Life insurance

401(k) match

PTO and holidays

Overalls concierge

Career growth opportunities

Job summary

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.

Responsibilities

• 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.

Skills

Credit reporting

Dispute investigations

Regulatory compliance

Analytical skills

Documentation

Communication

Case management

Education

High School Diploma or GED

Associate's or Bachelor's degree

Tools

Microsoft Office Suite

Case management systems

Research tools

Job description

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.