Credit Reporting Specialist
Company:Zippy
Location:Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Wisconsin
Languages:English
Seniority level:Middle, 2+ years
Experience:2+ years
Skills:
Microsoft ExcelAttention to detailOrganizational skillsComplianceReportingRisk Management
Requirements:
2+ years of experience in credit reporting, loan servicing, or a related financial operations role. Strong understanding of Metro 2 format and credit bureau data submission. Knowledge of FCRA and consumer credit reporting regulations. Excellent attention to detail and organizational skills. Proficiency in Excel and data reconciliation. Strong problem-solving and communication skills. Experience with loan servicing systems (e.g., MSP, FIS, LoanServ, or similar) is preferred. Familiarity with credit dispute management and audit processes is preferred. Background in consumer lending, mortgage, or auto servicing is preferred.
Responsibilities:
Prepare, review, and submit monthly credit reporting data to all major credit bureaus. Reconcile and verify loan servicing data to ensure reporting accuracy. Investigate and resolve credit reporting disputes in compliance with FCRA and Metro 2 guidelines. Monitor credit data for errors, delinquencies, or inconsistencies and coordinate corrections promptly. Maintain thorough documentation of reporting processes and system updates. Collaborate with IT, Risk, and Compliance teams to improve reporting workflows and data quality. Provide internal reports and insights on servicing and credit performance. Support audits, system testing, and regulatory reviews as needed.
