Credit Dispute Specialist

Job Description

JOB INFORMATION

Title:

Credit Dispute Specialist

Officer Title:

Grade:

17

FLSA Classification:

Non-Exempt

Date Last Edited:

5/12/2025

Reports To:

Supervisor Lending Quality Control

Department:

Member Debt Solutions

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=721

PRIMARY FUNCTION

Responsible for researching, evaluating, monitoring and resolving all member disputes relating to credit reporting received from the credit bureaus, service events or in writing. Investigate and analyze credit reporting processes and make recommendations to ensure compliance with appropriate regulations and accuracy in reporting.

•

Serve as the primary contact for member inquiries regarding credit report disputes received through the E-Oscar on-line system, service events or in writing.

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Investigate credit-report disputes for accuracy and compliance with the Fair Credit Reporting Act. Resolve and update member credit reporting as necessary.

•

Monitor and ensure the monthly reporting to the credit bureau is in compliance with the FACT Act and any and all regulatory requirements.  Interact with credit reporting agencies and other vendors as applicable to ensure accurate credit reporting.

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Make independent decisions for appropriate action to be taken within regulatory and procedural guidelines. Initiate system corrections with the appropriate department via service request and follow up on these corrections to ensure accurate reporting in subsequent months.

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Responsible for the accurate and rapid maintenance on all systems related to credit disputes which include but are not limited to, E-Oscar, FIS, Akcelerant, Synergy, Synapsys and MSP. Perform all functions in accordance with applicable laws and regulations, including but not limited to the Fair Credit Reporting Act.

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Maintain a working knowledge of Consumer Data Industry Association (CDIA) guidelines and applicable state and federal credit reporting regulations.

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Analyze findings for trends and errors as related to credit reporting. Recommend changes to policies and procedures to decrease risk associated with credit reporting practices.

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Cross train in other Member Debt Solutions and Lending Quality Control functions and perform them as required.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

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Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

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Responsible for regular and predictable attendance including punctuality.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate.

X

Associate’s Degree

X

Minimum 2 Years

Credit Report analysis, collection and/or lending loan servicing, or related experience

X

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Ability to read, understand and interpret documents, procedures and policies.

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Ability to multi-task and handle varying deadlines within a fast paced work environment.

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Intermediate verbal, written and presentation skills.

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Ability to understand and accurately apply basic mathematical concepts.

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Basic proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

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Must be able to use a standard keyboard and PC.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

10 lbs.

Occasionally

Travel outside of work location to attend meetings and training programs

WORK ENVIRONMENT

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Typically the noise level in the work environment is moderate to high.

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May experience occasional job stress in dealing with difficult situations and/or high volume.

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Standard office equipment including, but not limited to, a computer, telephone, copy/fax machines, etc.

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There are no significant hazardous conditions.

View Competencies

Data Gathering and Reporting

Knowledge of and ability to utilize tools, techniques and processes for gathering and reporting data in a particular department or division of a company.

Level 3

1. Oversees multiple data-gathering and analysis initiatives.

2. Analyzes complex reports as revealed by the data.

3. Teaches others the calculations necessary to capture data and develop more complex reports.

4. Prepares cost-benefit analyses of alternative approaches.

5. Develops criteria for selecting data gathering and reporting tools and techniques for various projects.

6. Reviews and verifies data and reports for accuracy.

OPERATIONS - BACK OFFICE

Knowledge of and ability to implement the practices, processes, technologies, and applications associated with banking transaction processing and records management.

Level 3

1. Works with multiple 'back office' operations functions.

2. Evaluates major production systems and their criticalities.

3. Facilitates planned changes and their impact on the operations environment.

4. Communicates with key clients on operation-related issues.

5. Manages production transitions with minimal disruption.

6. Consults on key aspects of effective and efficient department operations.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 1

1. Anticipates and meets the needs of both internal and external customers. Delivers high quality service and is committed to continuous improvement.

2. Consults with management on modifying business processes to enhance service delivery. Monitors own work to ensure quality and apply feedback to improve performance.

3. Integrates core values into the way work is done and how relationships are conducted.

4. Possesses knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

5. Tailors communications based on others’ needs, motivations and agendas.

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.