Come join our amazing team and work remotely from home!
JOB SUMMARY:
The Credit Bureau Reporting & Corrections Analyst is responsible for handling Electronic Credit Bureau Disputes, reviewing all credit inquiries, disputes and complaints from borrowers or their authorized representatives, researching and resolving issues, and providing responses within deadlines. Perform all duties in accordance with all company guidelines and applicable federal, state, and local regulations, wherein the company operates. The approved starting pay for this role is $30.32 - $32.80 per hour.
WHAT YOU’LL DO
- Investigate credit reporting disputes by analyzing our records in comparison to the industry standards (Metro 2® Format) for Credit Reporting, in addition to Carrington's own company policy for accurate credit reporting.
- Respond to credit disputes (Automated Consumer Dispute Verification) via E-Oscar; submits credit corrections or updates (Automated Universal Data forms) to the credit bureaus via E-Oscar.
- Determine if a credit reporting correction is warranted and researches, modifies, or corrects credit reporting as appropriate.
- Make any loan updates required while ensuring proper notation in the system or record.
- Work closely with internal departments to resolve inquiries or complaints while tracking trends to report back to management.
- Conduct research including, but not limited to, interpreting payment histories verifying loan data such as payments posted, escrow disbursements, escrow analysis, loan balance information, ARM loan adjustments and cash applications to ensure a proper dispute response.
- Handle escalated credit reporting issues and provides support to internal business units as needed.
- Must continuously learn and keep up to date with the Regulations related to the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA) the Fair Credit Reporting Act (FCRA), and the Consumer Financial Protection Bureau (CFPB).
- Adhere to established department and company policies and procedures.
• Performs other duties and works on other projects as assigned.
WHAT YOU’LL NEED
• Familiarity with Metro 2 format is a plus
• Knowledge/ Experience with credit reporting and FCRA is a preferred
• Working knowledge of federal and state laws and guidelines pertaining to mortgage servicing (RESPA, CFPB, etc.)
• Strong working knowledge of all aspects of operations, including payment processing, escrow, taxes, and insurance, boarding, credit reporting etc., and be able to assist members of those departments in resolving issues.
• Strong research/analytical skills
• Ability to perform in a production driven environment while maintaining a high level of accuracy.
• Communicate with exceptional verbal and written skills.
• High degree of self-motivation and ability to work independently under tight deadlines.
• Knowledge of Microsoft Office Suite of applications
• Knowledge of relevant industry-specific software packages preferred
• Excellent critical thinking, problem solving and sound judgment skills
• Must be a team player with strong attention to detail and able to work independently
• Ability to make decisions that have significant impact on the department’s credibility, operations, and services
• Ability to manage and prioritize multiple simultaneous assignments while meeting deadline requirements.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoint
- Bachelor’s degree or equivalent work experience.
- Three (3) to (5) years of related work experience in mortgage servicing, financial industry, and/or experience handling credit bureaus disputes required.
Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com.
What We Offer:
- Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
- Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
- Customized training programs to help you advance your career.
- Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow.
- Educational Reimbursement.
- Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.
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Notice to all applicants: Carrington does not do interviews or make offers via text or chat.
About Us Carrington Mortgage Services is a fully integrated mortgage company with mortgage lending and servicing operations and an affiliated real estate brokerage. We are part of Carrington Holding Company, LLC , which owns and operates multiple businesses that cover virtually every aspect of single family residential real estate transactions.Skills Required
- Bachelor's degree or equivalent work experience
- Three to five years of related experience in mortgage servicing, financial services, or credit bureau disputes
- Working knowledge of federal and state mortgage servicing laws and guidelines, including RESPA and CFPB requirements
- Strong knowledge of mortgage servicing operations, including payment processing, escrow, taxes, insurance, boarding, and credit reporting
- Strong research and analytical skills
- Ability to work accurately in a production-driven environment
- Exceptional verbal and written communication skills
- Ability to work independently under tight deadlines
- Knowledge of Microsoft Office Suite
- Critical thinking, problem-solving, sound judgment, attention to detail, and prioritization skills
- Ability to manage multiple assignments and meet deadlines
- Ability to understand and integrate opposing viewpoints on complex issues
- Familiarity with Metro 2 format
- Knowledge or experience with credit reporting and FCRA
- Knowledge of relevant industry-specific software packages
What We Do
Carrington Holding Company, LLC owns and operates multiple businesses that cover virtually every aspect of single family residential real estate transactions – investments in U.S. real estate and mortgage markets, loan origination and servicing, asset management and property preservation, real estate sales and rental, and title and escrow services. Carrington was initially founded in 2003. Since that time, Carrington Holding Company and the Carrington Family of Companies have evolved into a group of vertically integrated operating businesses that direct every aspect of the life cycle of single family assets. Its core capabilities include investment and fund management, residential mortgage special servicing and origination, property management and maintenance, and real estate sales and settlement services. Guided by a leadership team with an average of three decades of industry experience and adhering to a consistent philosophy, Carrington has built the infrastructure necessary to maximize value during any market cycle. Build your career with Carrington Holding Company. We offer: • An innovative environment • Management growth potential • Regular communication and training • Superior benefits package • An environment that encourages growth and development of its employees • Philanthropic opportunities to help the community through Carrington Charitable Foundation Learn more about the opportunities at Carrington Holding Company: • Email: [email protected] • Website: Carringtonhc.com • Main: 949.517.7100 • Media: 866.289.4147
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