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United Wholesale Mortgage · 2 weeks ago

Credit Reporting Specialist

US-MI-Pontiac

Full-time

Onsite

Entry, Mid Level

2+ years exp

United Wholesale Mortgage is a leading mortgage lender focused on making home ownership accessible. The Mortgage Servicing Credit Reporting Specialist is responsible for the accurate reporting of mortgage loan data to credit bureaus while ensuring compliance with relevant regulations and resolving credit disputes.

FinanceFinancial ServicesMortgage

Responsibilities

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

Qualification

Metro 2® formatFCRA regulationsCredit reporting toolsLoan servicing systemsE-Oscar platformAnalytical skillsMicrosoft OfficeAttention to detailCommunication skillsOrganizational skills

Required

High school diploma or equivalent required; Associate or Bachelor's 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)

Preferred

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

Benefits

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 physician’s 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