United Wholesale Mortgage · 11 hours ago
Credit Reporting Specialist
Pontiac, MI
Full-time
Onsite
Entry, Mid Level
2+ years expUnited Wholesale Mortgage is dedicated to making home ownership possible for more Americans. The Mortgage Servicing Credit Reporting Specialist is responsible for ensuring accurate and timely reporting of mortgage loan data to credit bureaus while maintaining data integrity 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
Required
2+ years of experience in mortgage servicing, credit reporting, or related financial services role
Familiarity with credit bureau reporting standards (Metro 2® format) and FCRA regulations
Proficient with loan servicing systems (e.g., MSP, Black Knight, or similar) and credit reporting tools
Strong analytical and problem-solving skills
High attention to detail and accuracy
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)
High school diploma or equivalent
Preferred
Associate's or Bachelor's degree in finance, accounting, or related field
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
Company
United Wholesale Mortgage
United Wholesale Mortgage is a wholesale mortgage lender.
5001-10000 employees
Funding
Current Stage
Public CompanyTotal Funding
$2.3BKey Investors
The Gores Group
2025-09-09Post Ipo Debt· $1B
2024-12-05Post Ipo Debt· $800M
2021-01-22IPO
Leadership Team
Martim Schnack
VP, IT Enablement
Recent News
2026-01-23
2026-01-17
DBusiness Magazine
2026-01-16
Company data provided by crunchbase