Analyst Credit Rptg Rsrch

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.

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

Supervisory Responsibilities:

This position is an individual contributor.

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

Work Complexity:

Problems and issues faced are general but require analysis of FFOC’s  policies and procedures, as well as external best practices and regulations, to assess and resolve.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. 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 frequently required to sit and talk or hear.  The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.

Equal Employment Opportunity:

The company is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information, or any other basis protected by applicable federal, state, or local laws.

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.

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.