Credit Reporting Resume Samples

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S Dietrich

Shayna

Dietrich

22691 Rosamond Springs

Chicago

+1 (555) 162 0744

22691 Rosamond Springs

Chicago

Phone

p +1 (555) 162 0744

Experience Experience

New York, NY

Junior Credit Reporting Analyst

New York, NY

Williamson-Waelchi

New York, NY

Junior Credit Reporting Analyst

Responsible for ad-hoc data, reports and analysis preparation based on formal requests raised by CEC Credit Risk Management unit
Provide support for the Credit Bureau Registry related reporting, maintenance across different units/functions of the consumer business
Responsible for development and change management of regular MIS processes based on formal requests raised by Credit Risk Management unit. Responsible for proper documentation of these processes
Develop and maintain reports using MS SQL Server tool / SAS business intelligence tool
Participate in business intelligence projects leading to efficiency , improvements of data management processes, redesigning and optimizing MIS processes, improvements of MIS data quality and overall level of decision management
Contribute to development and enhancement of local MIS databases
Develop and revise necessary procedures and documentation on the reporting process

Los Angeles, CA

Credit Reporting Analyst

Los Angeles, CA

Larkin, D'Amore and Strosin

Los Angeles, CA

Credit Reporting Analyst

Provides credit information for Relationship Managers/Loan Officers, management, or other agencies as requested
Assisting / drive EMEA DSO / Past Due improvement via analysis of AR data
Support and propose various initiatives to reduce complexity, standardize and improve efficiency of credit processes across the EMEA region
Managing “excel” based cash collection models and to support in continuous development of reporting processes
Performs economic and industry analysis
May have authority to make credit decisions
Monthly completion and submission of associates pay for performance data

present

Detroit, MI

Credit Reporting Supervisor

Detroit, MI

Prosacco Inc

present

Detroit, MI

Credit Reporting Supervisor

present

Oversight of reporting sent by e-Oscar or credit reporting agencies
Be receptive to ongoing feedback aimed at improving the performance of you and your team
Remain positive, professional, determined, calm, and focused when faced with challenging situations
Be effective at assessing people for their fit with their assigned role to ensure you have the Right People
Lead a Credit Reporting team in an effective and consistent manner
Assess and action the dimensions of Organizational Health that directly affect your team to drive top performance. You will do this by
Respectful : Value teamwork, share successes, appreciates others and communicates in a way that promotes trust

Education Education

Bachelor’s Degree in Accounting

The University of Alabama

Bachelor’s Degree in Accounting

Skills Skills

Preparation and analysis in preparation of EMEA Credit monthly close and forecast reporting (Electrical, Aerospace, Hydraulics and Vehicle)
Assisting / drive EMEA DSO / Past Due improvement via analysis of AR data
Managing “excel” based cash collection models and to support in continuous development of reporting processes
Support EMEA Quarterly Bad Debt Reserve Analysis. Monitoring EMEA wide Credit policy adherence e.g. Bad Debt Reserve
Identifying areas with opportunity for improvement as well as documenting current processes and future state processes via VSM. Ensure documentation on Credit reporting processes and procedures is maintained to a high standard
Support and propose various initiatives to reduce complexity, standardize and improve efficiency of credit processes across the EMEA region
Participate in the preparation of profit planning and forecasting with stakeholders of annual DSO strategic plan initiatives
Credit Insurance past due reporting and policy adherence
Analyze, interpret and communicate complex financial data into meaningful intelligence for stakeholders. Supporting the EMEA Credit & AR Management teams with standard and ad-hoc reporting requests and tasks
Work in a team environment to drive improvement in Credit processes through tools/systems, automation, leverage best practices and standardization, ensuring maintenance of a central repository for key work instructions

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11 Credit Reporting resume templates

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Am-credit Reporting Risk Analyst Resume Examples & Samples

Working with large volumes of data to conduct adhoc analyses on counterparties and exposures as needed
Demonstrated interest in/ knowledge of global financial markets and current regulatory/legislative agendas
Strong PowerPoint/ Excel /MS Office skills

Credit Reporting & Optimization Specialist Resume Examples & Samples

Create and distribute in an efficient way recurring risk portfolio reports and other reports built on data from risk systems to CRMS and non-CRMS users globally,
Create ad hoc reports based on detailed requrements of the final users
Develop solutions for automation within reporting team and other teams across the department,
Database maintenance (create, modify and improvement, ongoing support to users)
Participate in global projects regarding reporting
Test new reporting systems or enhancements to existing ones
Closly cooperate with Risk System Support and IT directed to satisfy reporting needs of the report requestors
Report support is provided from Monday to Friday from 8.00 AM to 18.00 PM Warsaw time in 8-hour shifts, including Polish Public Holidays
Opportunity to take part/ lead various optimization projects

Credit & Reporting Analyst Resume Examples & Samples

Supporting the developing and maintenance of MIS for quality control and exception reporting for business unit compliance requirements
Refinement of forecasts, establishment of product level MIS and tracking of operational & credit risk indicators for the franchise
Automation / production of regular monthly Credit Indicator Report & Portfolio Quality Review Deck within schedule
Prepare analysis of portfolio delinquency & loss trends for Monthly Risk Reviews
Develop database to enhance quality of Credit Review & Forecast submissions for local and overseas stakeholders
Track & report Key Risk Indictors to manage both operational & credit risk
Assist in quarterly Compliance & Control (self-assessment) sampling / reviews / reporting process
Provide ad-hoc support for MIS generation for both secured & unsecured products for presentation to Regulatory, Board and Rating Agency
Provide support to BASEL III Reporting and ongoing parameter validations
Provide support to Global and local regulatory reporting & MIS requirements
Minimum 5 year experience in a related area is preferable
Practical experience in SAS and SQL and other programming software
Programming knowledge and experience in VB and VBA
Knowledge of consumer banking products and related credit risk (highly desirable)
Strong communication skills, both verbal and written (Presenting technical information to non-technical audience)
Ability to work under pressure and meet tight reporting deadlines, including ad-hoc requirements
Ability to drive work from conception through to completion with minimum supervision with a “can do” attitude
Team player with excellent interpersonal and team communication skills

Credit Reporting Agency Operations Analyst Resume Examples & Samples

Review and analyze business requirements and related functional specifications to lead and participate in the development of detailed User Acceptance (UAT) testing plans and Test Cases
Lead daily activities related to test strategy, test plan, test scenarios, and test data development and test execution and validation
Maintain and report on daily Testing and Defect status to all Levels of management
Minimum 3-5 years of relevant quality assurance UAT testing work experience
A technical 4-year degree in computer science, computer information systems, engineering or equivalent is recommended but can be substituted with substantial test engineering experience
Must demonstrate strong time management skills, ability to multi-task & handle multiple test assignments & prioritize one's own work

Credit Reporting Resume Examples & Samples

Develop a full understanding of all credit related disclosures, process flows and inputs/systems
Work with the Chart of Accounts and the SEC/Reg teams to develop the account structure to ensure appropriate reconciliation and control for both SEC and Regulatory reporting
Closely liaison with Risk Reporting team to ensure reconciliation and consistency in reporting of credit related amounts
Strong financial analytical skills. Knowledge of both SEC and Regulatory reporting requirements is a plus
Excellent interpersonal skills necessary to work effectively with a variety of individuals, departments and organizations
Ability to synthesize new reporting requirements
Quick learner and be pro-active
Aptitude to develop strategy and implement
Ability to work autonomously as well as to work in team and to interface with senior management and staff
Big 4 experience
6+ years experience

Credit Reporting Agency Senior Business Data Analyst Resume Examples & Samples

Ability to understand, create and manage the basic (i.e. process maps / flows, rules matrices, mockups etc.) and advanced tools and techniques of business analysis (i.e. data matrices, contextual level data diagrams, system interface diagrams etc.)
Responsible for defect management including monitoring and reporting on defect resolution
Interface in various forums to report on project and program milestones and present project needs and technical knowledge
Communicate regularly with project stakeholders and provide consistent follow up on the status of issues
Actively participate and conduct project status meetings
Effective at complex problem resolution and expected to assist in resolving all difficult issues, expanding the solution to include infrastructure, architecture, and multi-tier tools and business system strategies
Design management reporting packages to communicate business result transparency to all constituents
Ability to analyze, interpret and translate metric performance across functions and across different lines of business
Possess strong interpersonal skills for partnering with various levels of the organization and influencing results
Demonstrating strong problem solving skills, especially in a fast-paced environment
Ability to streamline data inputs in order to turn around timely analysis that drives business oversight
Employ statistical analytics techniques to analyze data and recommend opportunities for process improvement
BS/BA required; quantitative focus / advanced study a plus
3-5 years business/data analysis required, preferably in a banking credit reporting environment
Knowledge and application of successful business analysis tools and practices with practical experience
Excellent communication, project management, and client partnership ability
Advanced-level ability expected in all MS Office tools (Excel, Pivot Tables, Access, VBA, PowerPoint) and in SQL query development
Experience developing complex business analysis models
Current experience using SAS
Demonstrated strong problem solving skills, especially in a fast-paced environment

Junior Credit Reporting Analyst Resume Examples & Samples

Assure production of institutional (daily, monthly, weekly) Credit MIS including regional reporting (Basel 2. PQR, etc.)
Responsible for development and change management of regular MIS processes based on formal requests raised by Credit Risk Management unit. Responsible for proper documentation of these processes
Responsible for ad-hoc data, reports and analysis preparation based on formal requests raised by CEC Credit Risk Management unit
Develop and maintain reports using MS SQL Server tool / SAS business intelligence tool
Responsible for MIS data structure consistency and final reports integrity
Responsible for resolving issues related to owned regular MIS processes in accordance to MIS standards
Develop and revise necessary procedures and documentation on the reporting process
Contribute to development and enhancement of local MIS databases
Cooperate with business owners on proper specification of their requests and provide them with necessary advisory related to their MIS requirements
Participate in business intelligence projects leading to efficiency , improvements of data management processes, redesigning and optimizing MIS processes, improvements of MIS data quality and overall level of decision management
Provide support for the Credit Bureau Registry related reporting, maintenance across different units/functions of the consumer business
Credit bureau database maintenance and possible related complaint handling
Ad-hoc bureau analyses to product and risk team
Managing technical problems
1 - 3 years in analytical position
1 - 3 years in consumer and/or SME segment banking position
Good knowledge of credit products
Statistical and analytical background, pattern recognition skills
Excellent data management skills – SAS, SQL, DWH
Hungarian and at least Intermediate level of English knowledge is a must
Strong analytical skills, presentation skills, prioritizing, ability to make fast, competent and independent decisions
Fast learning, hard working, flexibility, creativity and ability to work independently
University degree (economic or mathematical oriented) or College diploma with banking experience

Ccb-risk-consumer Credit Reporting Resume Examples & Samples

Identifying, assessing, and documenting business requirements, recommending business priorities, and advising on options, timelines, risks, and costs
Conducting research to determine if technical solutions to business requirements currently exist within or outside the business unit, and if not, whether new solutions are feasible. Analyze the impact of proposed solution across the business
Development of improved reporting frameworks that evolve with business needs and data infrastructure enhancements
Facilitate implementation of new functionality through leading and partnering with various sub-LOB teams, IT and Finance resources across CCB
Provide relevant documentation and quality control/testing to ensure all Corporate and CCB data governance and ownership standards are met
Minimum 7+ years of relevant experience in Consumer Risk, including Business/Data Analysis and Management Reporting
Undergraduate degree required, Masters degree preferred
Exceptional data knowledge and analytical skills
Superior verbal and written communication skills, with demonstrated ability to produce reporting to “C” level executive audiences
Demonstrated strength in SAS, SQL and / or other Oracle database tools knowledge
Experience/understanding of business process mapping and reengineering and business modeling concepts, business systems development and analysis
Awareness of the business and MIS/IT strategy planning
Knowledge of consumer risk management and governance concepts a plus

Credit Reporting Analyst Resume Examples & Samples

Prepares specialized credit reports and PowerPoint presentations on loan quality/portfolio quality for management
Provides credit information for Relationship Managers/Loan Officers, management, or other agencies as requested
Performs economic and industry analysis
Determines the appropriate information needed for ad hoc reporting requirements
Identifies and investigates deviations from current reporting trends and raises issues as appropriate
Investigates credit and financial information including reporting services, credit bureaus, other companies and current files
May coordinate the relationships between Relationship Managers/Loan Officers, credit committees, and management to facilitate the credit approval/portfolio review process
May maintain control over current accounts, noting payment progress, and reporting any developing problems to Relationship Managers/Loan Officers and/or management
Analyses and interprets credit quality information for a prospective loan, a loan portfolio, a line of credit, or other portfolio (i.e., credit card portfolio)
Monitors customer accounts and portfolios to detect changes that might affect their credit standing
Bachelor's degree or equivalent, with two or more years of related experience is required
Must have a high level of proficiency with Microsoft Excel (formulae, macros, pivots, charts etc.) and Microsoft PowerPoint
Requires excellent technical report writing skills, analytical skills and a knowledge of risk analysis
Requires a knowledge of economics, accounting, and finance and have the ability to apply that knowledge to understanding the overall lending and business environment
Knowledge of credit analysis, administration, policy and procedures

Credit Reporting Operations Analyst Resume Examples & Samples

Implement and execute daily/monthly quality reviews to ensure processes are in compliance with business requirements and the FCRA (Fair Credit Reporting Act)
Review and suggest modification of established policies and procedures, maintain issues log and manage multiple projects based on monthly data integrity issues and business back office processes
Participate in business initiatives and assist with all levels of metric reporting
Report and track defects in HP Quality Center 10.2
Participate in Business requirement, Impact Matrix and functional reviews
Participate in Test plan reviews conducted by other blocks
Lead Test Plan and Test Scenario reviews
Participate in test results reviews for approval and sign off
Preferred experience with FCRA and Metro 2
Minimum 1 years of relevant quality assurance UAT testing work experience
Strong understanding of Software Development Life Cycle and specifically QA process and test methodologies
Experience in collaborating across multiple functional operational teams
Statistical analysis experience a plus

Mortgage Lending Electronic Default & Credit Reporting Specialist Resume Examples & Samples

Utilize the Credit Bureau reporting system to provide credit dispute responses in a timely manner according to guidelines established by FCRA and governed by the Federal Trade Commission
Submit corrections to credit bureaus, within established guidelines, using the Credit Bureau reporting system
Use reasoning and problem solving skills to answer credit disputes in compliance with FCRA
Identify and correct inaccurate information found in clients’ credit reports
Ensure verbal and written communication with clients and credit bureaus is timely, clear and accurate
Retrieve and read reports from Equifax, Experian and TransUnion
Report accurate loan status information for delinquent loans to Freddie Mac, Fannie Mae, U.S. Department of Agriculture, U.S. Department of Housing and Urban Development, all private investors and private mortgage insurers
Ensure reporting updates comply with new guidelines established by investors/insurers
Update Mortgage Servicing Platform with credit reporting and default reporting activities
Train and collaborate with branches and servicing associates in correct credit reporting and credit dispute policies and procedures
Pull reports from Credit Bureau reporting system to review and ensure timely completion of disputes for FCRA compliance
Pull quality control reports to ensure accurate investor default reporting
Two years of collections, credit reporting or default reporting experience
Credit and analytical skills
Bachelor’s degree in Business, Accounting or Finance

Credit Reporting Project Analyst Resume Examples & Samples

Advanced reading, writing, mathematical skills
Proven customer service skills
Ability to identify and resolve and interpret data
Financial knowledge of products and services
Proficient computer skills, including use of multiple applications simultaneously fluent in Microsoft Office applications
Knowledge of Credit Industry and Credit Bureau Reporting and/or e-Oscar system
Ability to work independently with little supervision as a leader and representative

Senior Credit Manager, Credit Reporting Resume Examples & Samples

Lead initiatives to build, consolidate and improve dashboards and reports for senior managers and end users on loan level analytics and insights
Report directly to the Director of Credit Reporting in the Risk Portfolio Analytics group to aggregate various data points to consolidate and write a summary of the Allowance for Loan and Lease Losses (ALLL) Book used by the Board and Management quarterly
Utilize enterprise data marts and vendor data sources to analyze trends and performance on loan portfolio
Build metrics and models to achieve business goals
Test the validity of metrics and models
Work with internal clients to define issues and information needs and translate them into specific data requirements to support business initiatives and projects
Figure out required capabilities, tools and data, using multiple internal or external information sources
Lead and prioritize multiple complex projects involving various project teams
Maintain necessary processes, controls and procedures to ensure data accuracy and integrity and work with the Finance team, Federal Regulators and our Auditing partners

Risk Credit Reporting Analyst Resume Examples & Samples

Analyze credit risk
Prepare analysis reports for management
Suggest strategies aimed at the minimization of risk
Proficient in Excel and other Microsoft Office products
Ability to effectively communicate with both business and financial information systems associates
Must be a self-starter and function well in a team-oriented environment
Ability to multi task in a fast paced environment

Credit Reporting Resume Examples & Samples

Experience with quickly learning and becoming a subject matter expert in new systems/processes
Positive: Maintain a positive attitude by focusing on solutions and promoting a collaborative and enjoyable environment
Respectful: Value teamwork, share successes, appreciates others and communicates in a way that promotes trust
Insightful: Make timely well-considered decisions, create innovative solutions and continuously learn
Direct: Communicate clearly and objectively; don’t be afraid of difficult conversations. Raise concerns through the proper channels
Earnest: Be honest, sincere and consistent. Work hard and pursue our goals together relentlessly

Credit Reporting Analyst Resume Examples & Samples

Minimum of an Associate degree required, Bachelor’s degree preferred
Minimum of at least 3 years of analytical related experience
Accounting or loan servicing background preferred
Strong personal computer skills including advanced MS Excel, Word, Access, and Business Analytics systems such as SQL
High level of interpersonal, analytical, and organization skills required
High level of communication skills that includes strong business writing skills and data presentation skills

Credit Reporting & Modeling Analyst Resume Examples & Samples

Minimum of a Bachelor’s degree required in business, accounting/finance, economics, information systems, computer science, business computing, mathematics, statistics, or related field, with the ability to analyze, interpret, and present insights to drive business decisions. Master’s degree preferred
Minimum of at least 5 years of analytical related experience. Accounting, information technology, or business intelligence background preferred
Strong personal computer skills including advanced knowledge of MS Excel, as well as database management, and Business Intelligence/Analytics systems
Proficiency in data visualization techniques for reporting purposes, developing dashboards and reports
Ability to accurately and consistently deal with very granular data
Highly organized, with an ability to fully document detailed discovery, manipulation, validation and other processes in a highly-regulated and audited financial services environment
Ability to present data in clear, concise, and well-documented reports, to include infographics, charts, and graphs
Capable of adjusting to changing work assignments, successfully problem solve and multi-task to meet changing deadlines
High level of interpersonal communication skills, includes strong business writing skills, and the ability to work with stakeholders across the organization to gather, analyze, interpret, and disseminate data
Experience with data warehousing and relational database concepts
Demonstrated proficiency in writing and executing queries in databases and report writing tools
Tableau Visualization/Analytics experience
Development experience using SQL programming languages
Successful experience working in the financial services industry, preferably in a similar commercial or community bank setting

Lead Credit Reporting Analyst Resume Examples & Samples

Ensure the accuracy of data
Become the subject matter authority on the applicable data fields
Train and coach lending teams

Fair Credit Reporting Act Program Specialist Resume Examples & Samples

Assists the Program Lead with the build-out of the FCRA Compliance Program across the institution
Researches / responds to questions, relative to FCRA, from business line partners and Compliance Risk Management Specialists
Assists with maintaining FCRA-specific authoritative documents (e.g., FCRA Policy & Standards) and assists with developing & maintaining Program-specific documentation (e.g., Program Summary and Annual Plan)
Assists with business risk and business / product management to establish and maintain a solid compliance control and risk assessment framework
Provides FCRA-specific input for ongoing risk assessments and for products & services across multiple business lines
Partners with business lines in the implementation of regulatory reform / rule change initiatives
In collaboration with Business Line Compliance Risk Management Specialists, reviews new products / marketing materials, and other forms of communications, for regulatory compliance / adherence to enterprise compliance standards
Identifies / investigates activity that can be indicative of compliance problems and communicate / escalate as necessary, including recommending practical solutions to address concerns
Provides support to the Program Lead with regulatory exams and internal audits that are FCRA-focused
Seven to ten years of experience in an applicable risk management environment
Applicable professional certifications
Compliance or Audit certifications (CRCM, CRMA, CIA, etc.) a plus
Past experience working in a financial institution, regulatory agency, or a financial services consulting company
Knowledge in the following regulatory area – Fair Credit Reporting Act (FCRA)
An understanding of the banking industry; and knowledge of consumer business line operations, products & services, systems, and associated risks and controls
Must be proactive in identifying potential concerns and following-up to resolve such issues

Credit Reporting Analyst Resume Examples & Samples

Preparation and analysis in preparation of EMEA Credit monthly close and forecast reporting (Electrical, Aerospace, Hydraulics and Vehicle)
Assisting / drive EMEA DSO / Past Due improvement via analysis of AR data
On time delivery of all assigned activities such as Management reporting packs, financial analysis, interpretation of variances from budgets, and advice to management. Managing the Day to Day EMEA AR reporting requirements (Electrical, Aerospace Hydraulics and Vehicle)
Managing “excel” based cash collection models and to support in continuous development of reporting processes
Support EMEA Quarterly Bad Debt Reserve Analysis. Monitoring EMEA wide Credit policy adherence e.g. Bad Debt Reserve
Identifying areas with opportunity for improvement as well as documenting current processes and future state processes via VSM. Ensure documentation on Credit reporting processes and procedures is maintained to a high standard
Support and propose various initiatives to reduce complexity, standardize and improve efficiency of credit processes across the EMEA region
Participate in the preparation of profit planning and forecasting with stakeholders of annual DSO strategic plan initiatives
Credit Insurance past due reporting and policy adherence
Analyze, interpret and communicate complex financial data into meaningful intelligence for stakeholders. Supporting the EMEA Credit & AR Management teams with standard and ad-hoc reporting requests and tasks
Work in a team environment to drive improvement in Credit processes through tools/systems, automation, leverage best practices and standardization, ensuring maintenance of a central repository for key work instructions
Quality culture – Accuracy, attention to detail, and meeting deadlines are critical for success
Build effective internal relationships with stakeholders to support the business partnering model, offer timely solutions to stakeholder feedback
Minimum of 3 years working within Credit Reporting/Analysis function
Ability to collaborate with diverse internal and external stakeholders
Excellent communication/ interpersonal skill and proven problem solving capability
Business service centre experience an advantage but not essential
University or college degree or equivalent, preferable
Working Knowledge of Business Intelligence Tools – COGNOS, ENCORE, MIS etc
Experience with working with ERP. Working knowledge of Oracle Financials and SAP (ERP) essential
Eager to work in a dynamic and complex organization
High level of enthusiasm with a “can-do” attitude
Passion for business and ability to drive change

Credit Reporting Operations Manager Resume Examples & Samples

Manage and oversee the governance of the credit reporting program for Credit Card, Consumer and Mortgage products ensuring compliance with all rules and regulations governing credit reporting for the bank
Excellent understanding of the FCRA, FACTA, FCBA and UDAAP as they relate to credit reporting for all mortgage and consumer products
Ensure Compliance with the CDIA and the CRRG
Solid understanding of the Metro 2 reporting format and the Credit Reporting Resource Guide to ensure compliance with the record layout of monthly files transmitted from MSP
Solid communication, client service, leadership, time management, and presentation skills are required, as the incumbent will work closely with third party vendors, consumer reporting agencies and senior leadership
Familiar with the CFPB examination protocols and requirements for accurate credit reporting
Act as point of contact for internal and external examiners and auditors regarding CBR audits and inquires
Maintain close relationships with the NCRA contacts in order to manage the exchange of data
Manage direct and indirect credit reporting disputes to ensure all work is thoroughly researched and responded to within the regulatory timeframes, to include a root cause analysis
Responsible for the update and maintenance of credit reporting servicing procedures to ensure they comply with Appendix E of Regulation V and other associated acts and regulations
Solid knowledge of all aspects of loan servicing including specialty areas such as bankruptcy, foreclosure, default, and collections
Strong working knowledge of identity theft and Red Flag requirements and the impacts on credit reporting
Function as the credit bureau reporting subject matter expert as well as the overall program manager. Must have the ability to effectively communicate with senior leadership and other teams to ensure an efficient & accurate reporting process
Create, monitor and maintain credit bureau reporting controls to ensure the bank is compliant with all state and federal regulatory and GSE requirements
Understand and review exception and metric reports from the applicable servicing systems and the consumer reporting agencies and take necessary actions on exceptions
Candidate must have a strong working knowledge of e-OSCAR as well as the ACDV, AUD functionalities
Monitor and keep abreast of industry issues and communicate them to senior leadership and their teams as appropriate
Manage a small team of CBR specialists between 1-10

Credit Reporting Supervisor Resume Examples & Samples

Experience with Credit Reporting Agencies, Bureau Reporting and e-Oscar or previous leadership experience
Experience with quickly learning and becoming a subject matter expert in new systems/processes
Positive : Maintain a positive attitude by focusing on solutions and promoting a collaborative and enjoyable environment
Respectful : Value teamwork, share successes, appreciates others and communicates in a way that promotes trust
Direct : Communicate clearly and objectively; don’t be afraid of difficult conversations. Raise concerns through the proper channels

Le-credit Reporting Manager Resume Examples & Samples

Oversees credit bureau reporting of consumer loans and credit cards for compliance with the Fair and Accurate Credit Transactions Act (FACT Act), and the Fair Credit Reporting Act (FCRA) and Metro II Credit Reporting Guidelines
Performs loan and credit card research and ensures acceptable responses are provided in the timeframe required per applicable regulations to credit disputes and inquiries received from the credit repositories, directly from members and from credit union employees on behalf of members. Also responds to credit reporting disputes and inquiries received on behalf members from regulatory agencies or any third party the member may engage to assist
Works with VyStar employees and attorneys as needed to provide loan documentation, information, and findings related to consumer loan disputes and legal cases. Corrects loan information with the credit reporting agencies and in the servicing systems, if needed and as applicable, ensuring all reporting is accurate and in compliance with appropriate credit reporting guidelines
Periodically reviews existing consumer loan and credit card portfolios for accuracy of data and credit reporting regulatory compliance in addition to adherence to internal policy and procedures that may impact proper credit reporting. Provides Vice President Consumer Loan Administration reports outlining the results of the reviews and any recommended changes .Conducts special audits on various segments of the portfolios to ensure accuracy of credit reporting. Makes recommendations to enhance credit reporting and credit disputes processes if errors or potential problems are detected. Monitors corrective actions and/or changes once implemented
Coordinates with credit union employees and credit bureau representatives (for Equifax, Experian, TransUnion, Innovis and eOSCAR) on behalf of the credit union to resolve reporting concerns, monitor appropriate servicing for accuracy and timeliness of credit bureau reporting, implement enhancements, review new product or service offerings and ensure updated contracts are administered. Provides the Metro II expertise to ensure the core consumer loan and credit card servicing systems parameters and settings are set up to be in compliance with Metro II credit bureau reporting
May manage or oversee the assignments of employees responsible to respond to credit reporting inquiries and disputes or assist with credit reporting efforts. Ensures these employees are delivering a consistent high level of quality service to all internal and external members. Maintains excellent service levels and regulatory compliance by inspiring a “sense of urgency” and effective coordination of efforts and resources handling credit report related activities. Monitors progress and holds follow-up meetings to discuss. Takes additional action as necessary
Removes invalid credit bureau inquiries caused when credit union staff erroneously or accidentally pull a credit report
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job
FocusFocus your full attention by carefully listening to and observing your client or member
ConnectConsistently be friendly and approachable. Demonstrate you care
UnderstandListen empathetically and ask questions (70%/30%)
CounselRecommend solutions based on your client’s or member’s needs and objectives
AdvanceEnsure that member's expectations were exceeded. Verify necessary follow-up action

Credit Reporting Program Manager, VP Resume Examples & Samples

Manage and oversee the governance of the credit reporting program for Credit Card, Consumer and Mortgage products ensuring compliance with all rules and regulations governing credit reporting for the bank
Excellent understanding of the FCRA, FACTA, FCBA and UDAAP as they relate to credit reporting for all mortgage and consumer products
Ensure Compliance with the CDIA and the CRRG
Solid understanding of the Metro 2 reporting format and the Credit Reporting Resource Guide to ensure compliance with the record layout of monthly files transmitted from MSP
Solid communication, client service, leadership, time management, and presentation skills are required, as the incumbent will work closely with third party vendors, consumer reporting agencies and senior leadership
Familiar with the CFPB examination protocols and requirements for accurate credit reporting
Act as point of contact for internal and external examiners and auditors regarding CBR audits and inquires
Maintain close relationships with the NCRA contacts in order to manage the exchange of data
Manage direct and indirect credit reporting disputes to ensure all work is thoroughly researched and responded to within the regulatory timeframes, to include a root cause analysis
Responsible for the update and maintenance of credit reporting servicing procedures to ensure they comply with Appendix E of Regulation V and other associated acts and regulations
Solid knowledge of all aspects of loan servicing including specialty areas such as bankruptcy, foreclosure, default, and collections
Strong working knowledge of identity theft and Red Flag requirements and the impacts on credit reporting
Function as the credit bureau reporting subject matter expert as well as the overall program manager. Must have the ability to effectively communicate with senior leadership and other teams to ensure an efficient & accurate reporting process
Create, monitor and maintain credit bureau reporting controls to ensure the bank is compliant with all state and federal regulatory and GSE requirements
Understand and review exception and metric reports from the applicable servicing systems and the consumer reporting agencies and take necessary actions on exceptions
Candidate must have a strong working knowledge of e-OSCAR as well as the ACDV, AUD functionalities
Monitor and keep abreast of industry issues and communicate them to senior leadership and their teams as appropriate
Manage a small team of CBR specialists between 1-10
Proficient in PowerPoint, Monarch, Advanced Excel, Word, and Visio

Credit Reporting Supervisor Resume Examples & Samples

Lead a Credit Reporting team in an effective and consistent manner
Manage Credit Reporting, which includes understanding and ensuring compliance with the Fair Credit Reporting Act (“FCRA”) and overseeing the use of e-Oscar (Online Solution for Complete and Accurate Reporting)
Manage and assess Credit Reporting disputes, including those made directly to Credit Acceptance, and ensure that those disputes are handled in a timely and compliant manner
Oversight of reporting sent by e-Oscar or credit reporting agencies
Identify Organizational Health improvement opportunities for the team and the department
Assess and action the dimensions of Organizational Health that directly affect your team to drive top performance. You will do this by
Demonstrate a capability to teach others
Be self-driven and able to perform with minimal supervision
Be effective at assessing people for their fit with their assigned role to ensure you have the Right People
Possess strong verbal and written communication
Be effective at providing feedback and holding people accountable to improve the performance of your team
Be receptive to ongoing feedback aimed at improving the performance of you and your team
Remain positive, professional, determined, calm, and focused when faced with challenging situations
Be a quick thinker, with an ability to understand and interpret information promptly and effectively
Be organized, with an ability to multi-task and prioritize multiple requests