Credit Reporting & Disputes Specialist 5313

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS

Position: Credit Reporting & Disputes Specialist

Department: Consumer Lending

Reports To: Credit Reporting & Disputes Manager

FLSA: Non-Exempt Grade: H 11

SUMMARY:

The Credit Reporting & Disputes Specialist is responsible for supporting the credit union's consumer credit reporting program by ensuring the accurate, timely, and compliant furnishing of information to consumer reporting agencies. This position performs dispute investigations, credit bureau corrections, data integrity reviews, account maintenance, quality control activities, and reporting reconciliations. The Credit Reporting Specialist works closely with the Credit Reporting & Disputes Manager to identify reporting issues, resolve discrepancies, support vendor and bureau communications, and implement corrective actions.

SUPERVISORY RESPONSIBILITIES:

None

ESSENTIAL FUNCTIONS:

• Processes consumer credit reporting disputes received directly from members, consumer reporting agencies, regulators, attorneys, and through e-OSCAR.
• Investigates disputes by reviewing loan records, payment histories, supporting documentation, system data, and applicable reporting requirements.
• Completes dispute investigations within regulatory requirements and established service levels.
• Updates, corrects, suppresses, or deletes credit bureau information based on investigation results and established procedures.
• Performs Metro 2 reporting reviews and data integrity validations to ensure accurate furnishing.
• Reviews exception reports, rejection reports, and account-level discrepancies, researches findings, and recommends corrective action.
• Processes account maintenance impacting credit reporting, including bankruptcies, fraud, identity theft, deceased member, and SCRA accounts.
• Documents investigations, account corrections, and supporting rationale in accordance with department procedures.
• Identifies recurring issues, reporting trends, and potential risks and communicates recommendations to the Credit Reporting & Disputes Manager.
• Coordinates with the Credit Reporting & Disputes Manager to resolve escalated reporting issues, support vendor and bureau communications, and implement process improvements.
• Supports audits, examinations, system testing, conversions, and reporting reviews by gathering documentation and completing assigned activities
• Maintains department procedures, job aids, and process documentation and recommends updates as needed.
• Assists members and internal staff with questions related to credit reporting and dispute processes.
• Maintains records supporting investigations, corrections, and regulatory compliance requirements.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).

Other Duties and Responsibilities:

• Other duties as assigned.

KNOWLEDGE AND SKILLS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Associate’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position required.

Experience and Other Requirements:

• Minimum of 3 years of similar or related consumer credit reporting, lending operations, loan servicing, dispute resolution, regulatory compliance, or a related financial services environment experience required.
• Demonstrated experience conducting account investigations, resolving consumer credit reporting disputes, analyzing data discrepancies, and applying regulatory requirements.
• Experience with Metro 2 reporting, e-OSCAR dispute processing, Fair Credit Reporting Act (FCRA) compliance, and consumer reporting agency interactions preferred.
• Proficient knowledge in researching and resolving account discrepancies, conducting investigations, analyzing data, and applying regulatory requirements.
• Proficient knowledge in supporting audits, examinations, quality control reviews, or compliance activities preferred.

Competencies:

• Time Management - Must be able to effectively manage time, prioritize competing responsibilities, and complete projects while meeting deadlines and achieving business objectives.
• Detail Oriented - Must be able to produce accurate, high-quality work by maintaining attention to detail, identifying inconsistencies, and ensuring tasks are completed thoroughly and correctly.
• Decision Making - Must be able to make timely, informed decisions by evaluating available information, considering potential impacts, and exercising sound judgment.
• Critical Thinking - Must be able to analyze information, identify patterns and root causes, evaluate complex situations, and develop effective solutions to support business objectives.
• Analytica Skills - Must be able to effectively adjust to changing priorities, responsibilities, business needs, and work environments while maintaining performance and achieving goals.

Computer Skills:

• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

Certificates, Licenses, and Registrations:

• Certified Consumer Credit Compliance Professional (CCCP) preferred
• Consumer Data Industry Association (CDIA) Metro 2® training/certification preferred

Interpersonal Skills:

Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners. Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns. Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations, including those involving differing perspectives or needs. Builds positive working relationships and contributes to a collaborative, inclusive, and member-focused environment.

PHYSICAL DEMANDS:

The physical demands described below are representative of those that may be associated with performing the essential functions of this position. The essential functions of this role can be performed with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and applicable federal, state, and local laws.

While performing the duties of this job, the employee may be required to remain in a stationary position for extended periods, move within the work environment, and operate a computer and other standard office equipment. Job duties may also involve the use of hands and arms to operate tools, devices, or controls, and to exchange information using various communication methods. Occasional postural activities such as bending, kneeling, crouching, or stooping may be required. The position may occasionally require lifting or moving items weighing up to 15 pounds.

WORK ENVIRONMENT:

The work environment is primarily a professional office or branch setting, with a focus on member service and collaboration. The role may require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods. Work may involve extended periods of sitting or standing, repetitive motions such as computer or device use, and occasional movement throughout the facility.

The essential functions of the position can be performed with or without reasonable accommodation, in accordance with applicable federal, state, and local laws, including the Americans with Disabilities Act (ADA).

DECLARATION:

The Human Resources department retains the sole right and discretion to make changes to this job description.

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