Credit Reporting Manager

Finance & Financial Administration at Valon 

The Financial Administration Team completes all related processes associated with invoice management, corporate advances, claim submission, default reporting and credit reporting, in addition to other various back-office functions.  The team is crucial to Valon and the broader mortgage ecosystem, as it helps minimize losses for Valon, MSRs and Investors.  Homeowner transparency and financial literacy is always a focal point to our people, process and product and we strive to help homeowners who need additional support to keep their dream of homeownership alive.

About the Role 

The primary responsibility of the Credit Reporting Manager is to provide subject matter expertise in all areas of credit bureau reporting and dispute handling. The Credit Bureau Reporting Manager will help oversee the execution of company procedures and policies through analysis, identifying trends and developing remediation solutions in instances of non-compliance.

Responsibilities

• Work closely with department management to plan, develop, organize, implement process improvements
• Research, analyze, and decipher corrections to borrowers’ credit reports from indirect/ direct dispute.
• Review acquisitions & transfers of loans to ensure data to ensure accurate reporting per Credit Reporting Agency guidelines.
• Manage audits for accuracy and correct discrepancies as needed.
• Maintain currency on regulations and trends concerning the credit reporting industry.
• Actively participate in identifying process improvement opportunities within the department.
• Develop and implement appropriate measurements and controls to ensure compliance with government regulations and organizational policies.

Ideal Background 

• Minimum of 8+ years of professional experience with increasing leadership responsibilities with an emphasis on mortgage servicing including Credit Bureau Reporting
• Minimum 7 years’ experience with emphasis on GSE compliance, FCRA Rules, CDIA Guidelines, Metro 2 data file submission
• Working knowledge of eOSCAR 
• Minimum of 5+ years of Supervisory or team lead experience.
• Experience managing, leading and coordinating projects, activities, and resources preferred.
• Strong working knowledge of industry regulations strongly preferred
• MSP (Mortgage Servicing Platform) experience is strongly preferred.
• Expert level working Microsoft Office software applications (specifically Word, PowerPoint, Access, andExcel).
• Excellent decision making ability
• Ability to solve complex problems and provide solutions to difficult issues
• Proven success collaborating with others outside of the business unit

Minimum Qualifications

• Minimum of 8+ years of professional experience with increasing leadership responsibilities with an emphasis on mortgage servicing including Credit Bureau Reporting
• Minimum 7 years’ experience with emphasis on GSE compliance, FCRA Rules, CDIA Guidelines, Metro 2 data file submission
• Working knowledge of eOSCAR 
• Minimum of 5+ years of Supervisory or team lead experience.

Benefits List

What we can offer: 

• Compensation: competitive salary and partake in our performance bonus program and 401k plan
• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, One medical membership, and Talkspace to provide mental health support
• Food & meals: in-office snacks and drinks, Bagel Fridays and regular Food Trucks on premise
• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
• Grow together: Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
• Play together: quarterly budgets for team and company outings. Use it for team swag, cooking classes or team dinners!
• Generous time off: 17 days paid time off, sick days, and 11 company holidays