Analyst Credit Reporting Research

at  Freedom Mortgage

SUMMARY:

The Credit Reporting Research Analyst should be proficient in all aspects of credit bureau reporting in order to maintain regulatory compliance with the Fair Credit Reporting Act (FCRA). The position will play a key role in the ongoing monitoring and resolution of regulatory / compliance issues related to credit bureau reporting. The Credit Research Analyst works with various departments to resolve exceptions or respond to requests from internal and external clients. Candidates will perform system testing to prepare for enhancements and system updates as well as provide support to the QC team and assist with audit readiness. Candidates will access multiple internal and external systems to perform their daily job duties.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Microsoft Excel, Access, Word, and Outlook
• Ability to Multitask in a fast-paced environment
• Sagent, LoanServ experience, a plus
• Extremely organized and detail oriented; Problem solving

EDUCATION AND/OR EXPERIENCE:

• High School Diploma or GED equivalent and 2 to 4 years of related work experience required
• Bachelor Degree Preferred
• 3-5 years mortgage servicing experience, Default Servicing a plus
• 5+ years of experience preferred
  Certificates, Licenses, Registrations:
  None Required

AMERICANS WITH DISABILITIES ACT:

Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

ESSENTIAL JOB DUTIES AND RESPONSIBILITIES:

• Maintain thorough understanding of Freedom Mortgage’s internal data and information resources as well as departmental processes and procedures.
• Perform research and analytical functions to respond to internal requests from all Servicing departments, exception/control reporting, and indirect/direct credit bureau disputes.
• Present analyses and recommendations to management in a clear, concise, convincing, and actionable format when applicable
• Responsible for summarizing root cause and providing clear responses and communications to a variety of internal customers and to our external customers via dispute response communication
• Assess and evaluate data transmitted to the bureaus and how that data is updated by the bureaus via bureau tradeline reviews
• Research and assess the rejection processes working directly with the credit reporting agencies.
• Train and mentor new employees/peers
• Conform with all department policies and procedures
• Perform daily functions and adhere to departmental expectations consistently
• Comply with all company policies and procedures.
• Maintain regular and punctual attendance.

OTHER JOB DUTIES AND RESPONSIBILITIES:

• Maintain thorough understanding of FCRA reporting requirements
• Maintain knowledge and expertise in Metro ® reporting standards and CDIA reporting guidelines
• Maintain daily work load in a time-sensitive environment
• Performs other related duties

JOB RESPONSIBILITIES:

The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. The company may change the specific job duties with or without prior notice based on the needs of the organization.
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