Credit Reporting Specialist

The Credit Reporting Specialist assists the Credit Reporting Manager with the maintenance, analysis, and correction of credit data for a large mortgage servicing portfolio. The Credit Reporting Specialist is responsible for analyzing and monitoring the accuracy and integrity of credit data provided to credit repositories, taking appropriate and timely steps to correct inaccurate account information provided to credit repositories, maintain a detailed database of credit reporting inquiries and resolutions, and auditing business requirements that factor in the credit scores of potential customers when determining risk evaluations.
The Credit Reporting Specialist works closely with the Credit Bureau Reporting Manager. He or she meets regularly with the Credit Reporting Manager to review policies and procedures, workload, workflow, the effect of evolving credit regulation, department and company announcements, as well as routine administrative topics.
Primary Responsibilities

• Coordinate with the Credit Reporting Manager to achieve Dashboard objectives
• Document all credit related inquiries received from a variety of sources using MSP, SharePoint, and e-OSCAR
• Compile research and analyze consumer accounts to respond to credit inquiries using MSP and SharePoint
• Correct inaccurate account information provided to credit repositories and document the resolution using MSP, SharePoint, and e-OSCAR
• Maintain a clear understanding of all internal credit related policies and procedures, as well as all applicable federal regulations and credit industry standards
• Research and interpret bankruptcy court documents as they relate to credit reporting requirements
• Generate daily, weekly, and monthly reports using SharePoint, Excel, and OCIE
• Continuing education regarding federal credit regulation, mortgage servicing, and consumer credit reporting
• Incumbent will be responsible for meeting RoundPoint’s commitment to compliance

Qualifications

Required:

• Bachelor's degree or equivalent work-related experience
• Minimum 3 years' experience with credit bureau reporting in a bank or lending institution
• Minimum 2 years' business analysis experience with at least 1 year in technology
• Possesses excellent understanding of Internet consumer products and/or personal lending markets
• Uses solid analytical and problem-solving skills, and is able to analyze current situations with new requirements to synthesize into creative solutions
• Fluent with Microsoft Excel, Word, PowerPoint, and Outlook; experienced with MSP, SharePoint, and e-OSCAR
• Demonstrates refined written and verbal communication skills, fosters open communications, listens effectively, and builds strong partnership networks that result in consistent forward momentum
• Skilled at solving challenges in a directed, methodical manner and analyzes the current issue to envision creative solutions
• Takes initiative to complete critical tasks, especially in team settings with dependencies on other people
• Works effectively in the face of stress, ambiguity, difficult situations, and shifting priorities
• Steps outside of -comfort zone- to tackle new issues/challenges in an aggressive manner; deals well with ambiguity in a fast-paced, cutting-edge, and entrepreneurial environment
• Challenges the status quo to generate new ideas and implements unique solutions to fix challenging problems

Desired:

• System and/or data analysis experience

Physical Demands & Working Conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job:

• The employee is regularly required to talk or hear.
• The employee is required to sit for extended periods of time and is occasionally required to stand and walk.
• The employee must regularly use hands to finger, handle, or feel objects and is regularly required to reach with hands and arms; the employee may occasionally climb or balance, and stoop, kneel, crouch, or crawl.
• The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.
• The noise level in the work environment is usually quiet to moderate, and no extreme conditions are present.

About RoundPoint Mortgage Servicing LLC
RoundPoint Mortgage Servicing LLC is a fully integrated, non-bank mortgage company, with a subservicing portfolio of approximately 900,000 loans. In 2023, RoundPoint was acquired by Two Harbors Investment Corp. (NYSE: TWO), reaffirming its commitment to MSR as core and essential to our business strategy and our future. A combined Two Harbors and RoundPoint capitalizes on the strengths of both companies, adding significant value for stakeholders through operational and cost efficiencies, as well as the ability to participate more fully in the mortgage finance space as opportunities arise.
Founded in 2009, Two Harbors has grown into a leading publicly traded residential mortgage real estate investment trust (mortgage REIT). We leverage our core competencies of understanding and managing interest rate and prepayment risk to invest in our Agency residential mortgage-backed securities (RMBS) and mortgage servicing rights (MSR) portfolio, with the objective of delivering attractive risk-adjusted returns to our stockholders.

Location

• Fort Mill, SC
• Coppell, TX

Employee Status

• Regular

Travel

• No