Credit Dispute Representative - Tustin, United States - SchoolsFirst FCU

SchoolsFirst FCU
SchoolsFirst FCU
Verified Company
Tustin, United States

4 weeks ago

Mark Lane

Posted by:

Mark Lane

beBee recruiter
Description
We're always looking for diverse, talented, service-oriented people to join our exceptional team.

Credit Dispute Representative


Pay Range:
$ $28.94


Scheduled Weekly Hours:
40


What You'll Be Doing
Evaluate, investigate, analyze, respond, track, and audit all credit disputes related to credit bureau reporting.

Ensures the accuracy and integrity of furnished credit report data with compliance of the Fair Credit Reporting Act (FCRA) and its implementing regulations.


  • Utilizes industry standard platforms to respond to indirect disputes, including eOSCAR as well as accessing information from the websites for the three major credit reporting agencies (CRAs) to perform and complete dispute investigations.
  • Identifies trends in credit disputes to help identify system or reporting gaps; participates in addressing gaps.
  • Validates the integrity of the request with thorough analysis to ensure appropriate steps are taken to resolve disputes. This may require reaching out to the credit bureaus for additional support.
  • Investigates and resolves consumer credit bureau disputes by reviewing both internal account records and credit bureau records.
  • Analyzes pertinent Member financial and credit data; has authority to approve or deny dispute requests within the FCRA guidelines.
  • Communicates the credit dispute decision to the teammember, Member or the credit bureaus within the regulatory time frame.
  • Ensures proper documentation of all received disputes in applicable system(s).
  • Audits department reports for management review.
  • Handles Members concerns and complaints or escalates issues as warranted, while maintaining the Credit Union's primary focus on Member Service.

Additional Job Functions

  • Performs other duties as assigned
  • Complies with regulatory compliance and assigned training requirements including but not limited to BSA regulations corresponding to their specific job duties. Failure to do so may result in disciplinary and other employment related actions

Qualifications

  • High School Diploma or GED required
  • 13 years collections, underwriting or lending experience required
  • Credit analysis experience preferred
  • Working knowledge of eOSCAR system preferred

Knowledge, Skills, and Abilities

  • Has basic to intermediate understanding of the guidelines outlined in the Fair Credit Reporting Act as well as credit dispute standard operating procedures/desktop procedures. Documents updates to procedures as applicable.
  • Proficient with standard credit industry business rules and regulatory and disclosure requirements
  • Understand how products work and ability to discuss credit impact both positive and negative

SchoolsFirst FCU is committed to Diverse, Equitable, and Inclusive Hiring
SchoolsFirst Federal Credit Union is committed to fostering, cultivating, and preserving a culture of diversity and inclusion.

SchoolsFirst FCU is an equal opportunity employer and prohibits discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibits discrimination against all individuals based on their race, color, religion, sex, national origin, age, sexual orientation, gender identity or expression, political affiliation, or genetic information.

This organization participates in E-Verify.
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