Credit Bureau Reporting Specialist

Ameris Bank - Atlanta, GA

Full-time - Mid Level

Atlanta, GA

Credit Intermediation and Related Activities

About the position

Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. The Credit Bureau Reporting Specialist plays a crucial role in ensuring that accurate data is furnished to credit bureaus. This includes researching and responding to credit bureau disputes in a timely manner, adhering to Metro 2 guidelines, and possessing advanced knowledge of loan operation functions, including Commercial, Construction, Consumer Loans, and Lines of Credit. The specialist will monitor loans to ensure compliance with CDIA regulations and bank policies, and will be responsible for working with internal and external metric reports to identify the root causes of credit reporting discrepancies. This position also involves performing various projects and duties as assigned. The essential functions of the role include responding to all direct and indirect credit disputes with reasonable investigations by due dates, maintaining credit reporting logs to ensure compliance with RESPA requirements, and monitoring metric reports from credit reporting agencies and FIS to resolve credit reporting errors. The specialist will communicate with loan officers, department leaders, and teammates to collect necessary documentation to support investigations, maintain compliance with internal controls, operational procedures, and risk management policies, and assist with the review and updates to departmental procedures. Additionally, the specialist will manage incoming mail and outbound dispute letters, provide assistance and training to loan operations team members, and review various departmental reports to identify trends or areas of concern.

Responsibilities

• Responds to all direct and indirect credit disputes with reasonable investigations by due dates.
• Maintains credit reporting logs to ensure compliance with RESPA requirements.
• Monitors metric reports from credit reporting agencies and FIS to ensure credit reporting errors are resolved.
• Communicates with loan officers, department leaders, and teammates to collect needed documentation to support investigations.
• Maintains compliance with internal controls, operational procedures and risk management policies.
• Assists with review and updates to departmental procedures and assists management with process improvements.
• Reviews and maintains various departmental reports in order to identify trends or areas of concern.
• Manages incoming mail and outbound dispute letters.
• Provides assistance and training to loan operations team members.

Requirements

• High school diploma or GED required; Bachelor's degree in Business or related field preferred.
• 2-5 years of Credit Bureau or related consumer financial experience required.
• Excellent verbal and written communication skills.
• Self-motivated with strong attention to detail.
• Ability to plan, organize, and prioritize tasks and meet multiple deadlines.
• Ability to analyze and record detailed information and produce accurate, high-quality work products.
• Ability to research, analyze, identify viable options, draw sound conclusions, and present findings.
• Ability to manage and organize a high volume of documents.
• Knowledge of FCRA requirements and CDIA Metro 2 guidelines.
• Proficient in Microsoft Office applications.
• Experience in e-Oscar platform.

Nice-to-haves

• Experience using relevant banking and document storage software applications.

Benefits

• Health savings account
• AD&D insurance
• Employee stock purchase plan
• Paid holidays
• Disability insurance
• Health insurance
• Dental insurance
• Flexible spending account
• Tuition reimbursement
• Employee assistance program
• Vision insurance
• 401(k) matching
• Employee discount
• Life insurance
• Referral program
• Pet insurance