Business Operations Analyst - Credit Bureau

$45,510 - $66,643/Yr

US Bank - Owensboro, KY

Full-time - Entry Level

Owensboro, KY

10,001+ employees

Credit Intermediation and Related Activities

About the position

The Business Operations Analyst at U.S. Bank plays a crucial role in the Quality Control Team, focusing on ensuring the accuracy and compliance of credit bureau dispute responses and off-cycle update forms. This position requires a strong understanding of credit bureau reporting and effective workflow management to guarantee timely responses to credit bureaus. The analyst will collaborate with various support teams to verify information before submission, ensuring adherence to regulations and addressing any complex issues that arise during the review process.

Responsibilities

• Conduct thorough quality control checks on disputes and off-cycle update forms prepared by the CBM team before submission to credit bureaus.
• Ensure all responses are compliant with the Fair Credit Reporting Act (FCRA) and other relevant regulations.
• Analyze disputes to identify potential risks, ensuring all issues are addressed accurately and promptly.
• Manage and prioritize workload to meet strict deadlines, ensuring timely reporting and responses.
• Work closely with support and validation teams to verify and validate information, ensuring all data is accurate and complete.
• Address and resolve complex issues that arise during the dispute review process, using critical thinking and problem-solving skills.
• Apply knowledge of various systems of record (SORs) such as ALS, LM, Hogan, MSP, RMS, and DM in the review process.

Requirements

• Bachelor's degree, or equivalent work experience
• Typically two or more years of related experience

Nice-to-haves

• Proven experience in credit bureau reporting and dispute resolution.
• Understanding of credit bureau processes and FCRA compliance.
• Excellent time management skills with the ability to prioritize tasks effectively.
• Strong critical thinking and problem-solving abilities.
• Ability to analyze complex issues and make informed decisions.
• Excellent communication skills, both written and verbal.
• Familiarity with ALS, LM, Hogan, MSP, RMS, and DM is highly preferred.
• High level of attention to detail to ensure accuracy in all responses and updates.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law