Representative, Credit Bureau Reporting

Job Description

Description

Job Family: Business Operations
Responsible for the day-to-day operations of the company's business units. Aims to deliver superior service to clients by driving and optimizing the effectiveness and efficiency of people, processes and technology thereby enhancing financial performance, increasing investment capacity, and managing risk. Builds the sustainable repeatable capabilities that support delivery of the highest standards of service and execution. Analyzes and reviews data tools, business processes and operational standards to execute service delivery. Evaluates and ensures that operations meet company objectives, business needs, service agreements and relevant requirements. Researches and monitors external landscape to identify developments and translate them into operational implications for the company.
Job Function: Auto Loan & Lease Specialized Servicing
Responsible for reviewing, processing, and resolving accounts and customer’s needs which include: SCRA, Cease & Desist, Deceased, Out of Country, and Credit Bureau Reporting. Researches and escalates as appropriate. Ensures adherence to procedure and regulatory compliance.
Summary of Responsibilities:

The Representative, Credit Bureau Reporting researches account information provided to the Credit Reporting Agencies in order to resolve customer disputes. This role is in a highly regulated environment and requires strict adherence to company policies and procedures, as well as State and Federal laws.

Essential Functions:

• Researches complex account histories including payments made, payment extensions and reversals, bankruptcy, repossession, collection activity, SCRA designations, assumptions, and any other relevant account activity to ensure customer credit histories are accurate and responds to customer inquiries.
• Updates customer payment history profile to ensure information sent to the Credit Reporting Agencies (CRA) and the customer complies with all company procedures, State, and Federal laws.
• Collaborates with Legal department and the Executive Office to resolve complex litigation and complaint matters relating to credit reporting.
• Works with internal and external business units to obtain documents and necessary business information relevant to credit reporting.
• Analyzes data to determine the correct account status through research and interpretation of the system of record, the documents provided by the consumer, and other sources of information.
• Demonstrate strong attention to detail and the ability to read, investigate, and interpret account documentation.
• Regular use of Equifax, Experian, and TransUnion’s Exchange (E-Oscar) products.
• Performs other duties as assigned including but not limited to side by side training, UAT support: researching and retesting defects raised and Special Projects as needed
• Keeps leaders informed of any recognized opportunities or gaps in process or information sharing that could result in financial or reputational risk to SC.

Requirements:

• Education -
  • H.S. Diploma
  • Bachelor's Degree: Business, Finance, or equivalent field.
  • or equivalent work experience
• Experience -
  • 1-2 years Servicing/Originations role or related experience.
  • 1-2 years Credit Bureau Reporting role or related experience.
• Skills & Abilities -
  • Demonstrates attention to detail and the ability to read and interpret account documentation.
  • PC/Windows skills including knowledge of Microsoft Office Suite.
  • Ability to maintain confidentiality.
  • Must be flexible and possess the ability to adapt quickly
  • Must be able to exercise good judgment
  • Strong written and verbal communication skills.

Competencies:

• Collaboration - Teamwork:
  • Foundational - Learning and Developing
    • Works effectively in team settings
    • Shows appreciation for others' help and lends a hand when needed to complete shared tasks
• Customer Focus - Customer Understanding:
  • Foundational - Learning and Developing
    • Actively seeks information to understand customer needs
• Execution - Accountability:
  • Foundational - Learning and Developing
    • Maintains professional behavior at all times in representing the company
    • Does all routine work accurately and on-time; is aware of own impact on others
• Influence - Two-way communication:
  • Foundational - Learning and Developing
    • Communicates clearly and precisely
    • Listens carefully and asks questions to clarify understanding
• Problem Solving - Solution Definition:
  • Foundational - Learning and Developing
    • Collects data and relevant facts to communicate problems
    • Presents the general outline and direction of the solution
• Risk Business Acumen - Product Knowledge:
  • Foundational - Learning and Developing
    • Has basic understanding of organization’s flagship products and services
    • Can identify the risk return of products and services
• Risk Management - Knowledge of Risk Management Policies, Regulations, Processes and Procedures:
  • Foundational - Learning and Developing
    • Learns about and diligently follows established risk management policies, processes and procedures
• Change Orientation - Support for Change:
  • Foundational - Learning and Developing
    • Learns new methods and procedures or modifies them to meet new standards
    • Is positive about new approaches and methods resulting from change

Working Conditions:

• Frequently: Minimal physical effort such as sitting, standing, and walking.
• Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.
• Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer’s Rights:

• This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks listed in this job description.
• The employer has the right to revise this job description at any time. This job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.