Mortgage Credit Analyst jobs in Nevada

Credit Acceptance is proud to be an award-winning company with local and national workplace recognition in multiple categories! Our world-class culture is shaped by dedicated Team Members who share a drive to succeed as professionals and together as a company. A great product, amazing people and our stable financial history have made us one of the largest used car finance companies nationally.

Our Support teams work with multiple departments in a dynamic environment that promotes flexibility and autonomy, while offering the opportunity to collaborate with a diverse group of professionals. We work to comply with our company standards, exceed customer expectations and drive our Great Place to Work culture. Through the consistent delivery of quality services and understanding the needs of our business, we develop innovative improvements as we strive towards our company's Big, Hairy, Audacious Goals!

Outcomes and Activities:

• This position will work from home; occasional planned travel to an assigned Southfield, Michigan office location may be required. However, this position is permitted to work at a Southfield, Michigan office location if requested by the team member.
• Review internal and external reports related to the Metro 2 data furnished to the credit reporting agencies, document findings, track metrics and escalate potential issues
• Create organized tracking and summarizing of data gathered including tables and graphs
• Perform Tradeline Testing to validate the accuracy and integrity of the data furnished
• Identify trends, account for changes in Metro 2 file
• Update open tasks in Service Now as needed
• Support remediation efforts by performing actions assigned by your leader.
• Review available credit reporting exception reports and document findings.
• Assist with periodic audits
• Support Company sponsored projects by ensuring all necessary assigned project tasks are completed within specified deadlines and requirements/expectations
• Identify and action process improvement opportunities
• Monitor for training opportunities to increase knowledge and skills related to furnishing, Metro 2 format

Knowledge and Skills:

• Become a subject matter expert in Metro 2 Format and Company processes that impact credit reporting
• Ability to manually calculate Metro 2 fields (i.e. Current and Past Due Balance, Account Status, DOFD, etc.)
• Understand flow of data between systems as it relates to the flow to Metro 2 file: CAPS, Customer Hub, Artiva, OFSLL to create the Metro 2 file data
• Understand CRA translation of Metro 2 data
• Communicate clearly
• Work efficiently to meet deadlines
• Ability to identify anomalies and analyze potential root cause
• Develop an understanding of bankruptcy laws and processes.
• Solve problems while working individually and collaboratively in a team environment.

Requirements:

• High school diploma or GED.
• FCRA Certification (within 90 days of hire)
• Familiarity with Credit Reporting Agencies and Metro 2 Format
• One year experience with internal credit reporting processes and OFSLL Metro 2 requirements or;
  • One year Credit Reporting Compliance experience or two years of Credit Reporting dispute resolution experience or and;
    • Consistent quality results that demonstrate high level of proficiency with understanding and resolving dispute investigations (as measured by QA scores and opportunities identified by other teams)
    • Productivity metrics that demonstrate ability to work efficiently
• Ability to clearly communicate (both written and verbal) with internal and external customers and vendors
• Demonstrated ability to work independently and think strategically
• Ability to manually calculate Metro 2 fields (i.e., credit reporting balances, Date of First Delinquency, Account Status, Payment Rating)
• Basic knowledge of Chapter 7 and 13 specific bankruptcy laws, processes, and consequences of non-compliance
• Experience in e-OSCAR, Artiva, and OFSLL
• Intermediate to advanced Excel skills

Preferred:

• One year experience with internal credit reporting processes and OFSLL Metro 2 requirements
• Experience analyzing data
• Experience analyzing Credit Reporting Agency metric and error reports
• High Level Excel skills including formulas, charts and graphs

Targeted Compensation: $26.68 - $35.58/hour plus an annual bonus plan

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Benefits

• Excellent benefits package that includes 401(K) match, adoption assistance, parental leave, tuition reimbursement, comprehensive medical/ dental/vision and many nonstandard benefits that make us a Great Place to Work

Our Company Values:

To be successful in this role, Team Members need to be:

• Positive by maintaining resiliency and focusing on solutions
• Respectful by collaborating and actively listening
• Insightful by cultivating innovation, accumulating business and role specific knowledge, demonstrating self-awareness and making quality decisions
• Direct by effectively communicating and conveying courage
• Earnest by taking accountability, applying feedback and effectively planning and priority setting

Expectations:

• Remain compliant with our policies processes and legal guidelines
• All other duties as assigned
• Attendance as required by department

Advice!

We understand that your career search may look different than others. Our hiring team wants to make sure that this would be a fit not just for us, but for you long term. If you are actively looking or starting to explore new opportunities, send us your application!

P.S.

We have great details around our stats, success, history and more. We're proud of our culture and are happy to share why - let's talk!

Required degrees must have been earned at institutions of Higher Education which are accredited by the Council for Higher Education Accreditation or equivalent.

Credit Acceptance is dedicated to providing a safe and inclusive working environment for all. As part of our Culture of Compliance, we are proud to be an Equal Opportunity Employer and value our culturally diverse workforce. All qualified applicants will receive consideration for employment regardless of the person's age, race, color, religion, sex, gender, sexual orientation, gender identity, national origin, veteran or disability status, criminal history, or any other legally protected characteristic.

California Residents: Please click here for the California Consumer Privacy Act (CCPA) notice regarding the personal information Credit Acceptance may collect from you.

Play the video below to learn more about our Company culture.