Credit Reporting Specialist

The Mortgage Servicing Credit Reporting Specialist is responsible for ensuring the accurate and timely reporting of mortgage loan data to credit bureaus in compliance with the Fair Credit Reporting Act (FCRA) Metro 2 format investor guidelines and company policies. This role plays a key part in maintaining data integrity and resolving credit disputes to protect the organization from regulatory risk and support borrower credit accuracy.

Prepare and submit monthly credit bureau files using Metro 2 format for all active mortgage loans.
Ensure all data reported to credit bureaus is accurate and in compliance with FCRA and company standards.
Research and resolve borrower credit reporting disputes received from credit bureaus (e-Oscar) internal teams or directly from borrowers.
Coordinate with internal departments (e.g. default servicing payment processing loss mitigation) to validate loan data.
Maintain detailed records of credit reporting activities and dispute resolutions.
Monitor exception reports and perform audits to identify and correct reporting errors proactively.
Respond to credit bureau inquiries and follow through on updates or corrections within regulatory timeframes.
Assist with internal and external audits related to credit reporting.
Support implementation of credit reporting system updates or process improvements.
Stay current with regulatory changes and credit reporting best practices.

Must-Have Qualifications:
High school diploma or equivalent required; Associate or Bachelors degree preferred.
2 years of experience in mortgage servicing credit reporting or related financial services role.
Familiarity with credit bureau reporting standards (e.g. Metro 2 format) and FCRA regulations.
Strong analytical and problem-solving skills.
High attention to detail and accuracy.
Proficient with loan servicing systems (e.g. MSP Black Knight or similar) and credit reporting tools.
Excellent written and verbal communication skills.
Ability to manage multiple priorities and meet strict deadlines.
Strong organizational and documentation skills.
Proficiency in Microsoft Office (Excel Word Outlook).

Nice To Have Qualifications:
Experience working with the e-Oscar platform for credit dispute resolution.
Knowledge of investor (Fannie Mae Freddie Mac FHA VA) reporting guidelines.
Prior experience in regulatory audits or quality control.

Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans Its all happening on UWMs campus where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.

Its no wonder that out of our six pillars People Are Our Greatest Asset is number one. Its at the very heart of how we treat each other our clients and our community. Whether its providing elite client service or continuously striving to improve our pillars provide a pathway to a more successful personal and professional life.

From the team member that holds a door open to the one that helps guide your career youll feel the encouragement and support on day one. No matter your race creed gender age sexual orientation and ethnicity youll be welcomed here. Accepted here. And empowered to Be You Here.

More reasons youll love working here include:

• Paid Time Off (PTO) after just 30 days
• Additional parental and maternity leave benefits after 12 months
• Adoption reimbursement program
• Paid volunteer hours
• Paid training and career development
• Medical dental vision and life insurance
• 401k with employer match
• Mortgage discount and area business discounts
• Free membership to our large state-of-the-art fitness center including exercise classes such as yoga and Zumba various sports leagues and a full-size basketball court
• Wellness area including an in-house primary-care physicians office full-time massage therapist and hair salon
• Gourmet cafeteria featuring homemade breakfast and lunch
• Convenience store featuring healthy grab-and-go snacks
• In-house Starbucks and Dunkin
• Indoor/outdoor café with Wi-Fi