Credit Reporting Analyst

Finance & Financial Administration at Valon 

The Finance team sits across all business lines and product areas at Valon (technology development, servicing, originations, and insurance) and manages the company’s day-to-day financial operations. This includes accounting, reporting, cash management, planning, and strategic insights. Other ad hoc / seasonal responsibilities include audits, improving financial controls, and vendor management. As a member of the finance team, you will work with senior-level leaders across the company in understanding and optimizing their business units.

About the Role 

As a Credit Reporting Analyst, you will be responsible for ensuring accurate reporting to the credit bureau’s as well as researching and responding to any direct and indirect disputes. You'll work closely with the Credit Reporting Manager and departmental stakeholders to maintain compliance with industry regulations and identify trends through data analysis. You will work to provide valuable feedback on product and processes in order for the product and engineering teams to create efficiency and further accuracy within the department.

Responsibilities

• Collaborate with departmental management and the Product team to support the development and implementation of process enhancements.
• Analyze and interpret corrections to borrowers’ credit reports, addressing both indirect and direct disputes.
• Verify the accuracy of loan data during acquisitions and transfers to ensure compliance with Credit Reporting Agency guidelines.
• Assist in managing audits to identify discrepancies and facilitate corrective actions as necessary.
• Stay updated on regulatory changes and industry trends relevant to credit reporting.
• Actively participate in identifying opportunities for process optimization within the department.
• Assist in implementing controls to ensure compliance with government regulations and organizational policies.

Ideal Background 

• Professional experience in mortgage servicing and credit bureau reporting.
• Familiarity with GSE compliance, FCRA Rules, CDIA Guidelines, and Metro 2 data file submission is preferred.
• Working knowledge of eOSCAR.
• Basic understanding of industry regulations is desirable.
• Capability to collaborate effectively with cross-functional teams.
• Proficiency in Excel

Minimum Qualifications

• Minimum of 3 years of professional experience in mortgage servicing and credit bureau reporting.
• Minimum 2 years of experience in GSE compliance, FCRA Rules, CDIA Guidelines, and Metro 2 data file submission.
• Working knowledge of eOSCAR.
• Strong problem-solving skills and ability to provide solutions to complex issues.

Benefits List

What we can offer: 

• Compensation: $51,000 - $69,000 and 401k plan
• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
• $400 monthly stipend towards your lunches or groceries
• Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360-degree feedback
• Generous time off: 17 days paid time off, sick days, and 11 company holidays
• Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition