What are the responsibilities and job description for the Credit Reporting Technician I position at SECU?
If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Purpose
The Credit Reporting and Disputes Technician will work directly with Analysts and Specialists to respond to direct and indirect credit disputes, conduct credit reporting related research, and perform maintenance as needed to correct credit information transmitted to the credit bureau(s). Focus is on accuracy of furnished credit data, compliance with applicable lending regulations, and adequacy of documentation. The Technician should be detail oriented, be able to work independently, and possess good organizational skills.
Duties
Business Support – Work proactively with the appropriate teams to investigate direct and indirect disputes and with other business units to investigate credit reporting related complaints. Must have an ability to investigate situations thoroughly and provide reports timely and completely.
Consultation - Assists with action plans related to credit reporting.
Credit Reporting Expertise – Develops a basic knowledge of federal and state lending regulations, the CDIA Guide, Metro2 reporting standards, and Credit Union lending policies, as related to furnishing and disputing credit data.
Collaboration – Partners with appropriate team members throughout dispute investigations. Escalates and reports issues with transparency.
Basic understanding of the credit reporting furnishing and dispute processes. Perform thorough investigations and verification of documentation. Assist Analysts and Specialists with tasks as assigned.
Requirements
Must be proficient using available resources to locate and acquire information regarding lending regulations, as well as Credit Union policies and guidelines.
Excellent analytical and problem-solving skills with high attention to detail.
Experience working with Excel, Word, Access, and/or other computer databases preferred.
Must be willing to engage in ongoing training and professional development.
Must be able to cooperate and collaborate with co-workers.
Must be able to speak English fluently.
Must be cordial in all interactions with members and co-workers.
Must adhere to the work schedule and attendance policies established by the Credit Union.
Job Environment
Hybrid in-office and work from home schedule. In-office setting that has physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Work from home requires quiet, private working environment free from noise and disruption in order to maintain a professional at home working arrangement.
Job Environment
Hybrid in-office and work from home schedule. In-office setting that has physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Work from home requires quiet, private working environment free from noise and disruption in order to maintain a professional at home working arrangement.
Physical Demands
Must be able to comprehend and carry out verbal and written instructions.
Job requires a substantial amount of sitting.
Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
Use hands and fingers to press telephone keypad and lift telephone receiver.
Must be able to comprehend phone calls.
Must be able to lift 5 pounds.
SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.
Purpose
The Credit Reporting and Disputes Technician will work directly with Analysts and Specialists to respond to direct and indirect credit disputes, conduct credit reporting related research, and perform maintenance as needed to correct credit information transmitted to the credit bureau(s). Focus is on accuracy of furnished credit data, compliance with applicable lending regulations, and adequacy of documentation. The Technician should be detail oriented, be able to work independently, and possess good organizational skills.
Duties
Business Support – Work proactively with the appropriate teams to investigate direct and indirect disputes and with other business units to investigate credit reporting related complaints. Must have an ability to investigate situations thoroughly and provide reports timely and completely.
Consultation - Assists with action plans related to credit reporting.
Credit Reporting Expertise – Develops a basic knowledge of federal and state lending regulations, the CDIA Guide, Metro2 reporting standards, and Credit Union lending policies, as related to furnishing and disputing credit data.
Collaboration – Partners with appropriate team members throughout dispute investigations. Escalates and reports issues with transparency.
Basic understanding of the credit reporting furnishing and dispute processes. Perform thorough investigations and verification of documentation. Assist Analysts and Specialists with tasks as assigned.
Requirements
Must be proficient using available resources to locate and acquire information regarding lending regulations, as well as Credit Union policies and guidelines.
Excellent analytical and problem-solving skills with high attention to detail.
Experience working with Excel, Word, Access, and/or other computer databases preferred.
Must be willing to engage in ongoing training and professional development.
Must be able to cooperate and collaborate with co-workers.
Must be able to speak English fluently.
Must be cordial in all interactions with members and co-workers.
Must adhere to the work schedule and attendance policies established by the Credit Union.
Job Environment
Hybrid in-office and work from home schedule. In-office setting that has physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Work from home requires quiet, private working environment free from noise and disruption in order to maintain a professional at home working arrangement.
Job Environment
Hybrid in-office and work from home schedule. In-office setting that has physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Work from home requires quiet, private working environment free from noise and disruption in order to maintain a professional at home working arrangement.
Physical Demands
Must be able to comprehend and carry out verbal and written instructions.
Job requires a substantial amount of sitting.
Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
Use hands and fingers to press telephone keypad and lift telephone receiver.
Must be able to comprehend phone calls.
Must be able to lift 5 pounds.
SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.
