Credit Bureau Reporting Analyst
Job Overview
PenFed is hiring a Credit Bureau Reporting Analyst to work onsite at our Omaha, Nebraska service center. The primary purpose of the Credit Bureau Reporting Analyst is to identify and resolve anomalies in the reporting that do not meet the Metro II Standards as well as prepare and analyze monthly reports on Credit Bureau data.
Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.
- Reconcile the Metro II files furnished by PenFed to the CRAs monthly.
- Identify and investigate anomalies within the Metro II files and proposed resolution to them in a timely manner.
- Responsible for creating and testing Credit Bureau reporting logic updates to servicing systems to ensure the accuracy of the updates.
- Partner with operational business units to ensure that operational processes result in an accurate Credit Reporting.
- Partner directly with the CRAs (Experian, Equifax, TransUnion and Innovis) on reporting discrepancies resolution.
- Responsible for updating and maintaining Credit Bureau Reporting Policies and Procedures to ensure that we continue to be compliant with the FCRA and CDIA requirements.
- Prepare monthly Credit Dispute Reports and identify opportunities to improve our Credit Dispute processes and volumes.
- Maintain a deep understanding of state and federal laws and regulations related to credit union compliance including FCRA, BSA, and AML laws appropriate to the position.
- Build and maintain ad hoc reports for other servicing departments as needed.
- Works independently, utilize critical thinking and judgement to (1) mitigate discrepancies that arise from the above reports and (2) continue to challenge and enhance processes and procedure.
Qualifications
Equivalent combination of education and experience is considered.
- Bachelor’s degree in finance or business required.
- Minimum of two (2) years of experience in FCRA, Metro II Standards and CRRG required.
- Proficient in SQL development required.
- Strong analytical and problem-solving skills required.
- Strong communication skills required.
- Detail-oriented, resourceful and with the flexibility to adapt quickly to change.
Supervisory Responsibility
This position will not supervise staff.
Licenses and Certifications
CRRG certified preferred.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
Ability to travel to various worksites and be on-call may be required.
Benefits
At PenFed, we offer a robust benefits package designed to support you both personally and professionally. You’ll have access to comprehensive health, dental, and vision plans; paid time off; and family-friendly benefits like paid parental leave, care support, and fitness center access. Financial wellness is encouraged through features like a 401(k) match, employee loan discounts, and fully paid life and disability coverage. We also support growth via education assistance, community involvement, and volunteer opportunities.
About Us
Established in 1935, PenFed today is one of the country’s strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day.
Berkshire Hathaway HomeServices PenFed Realty, LLC is a full-service real estate company ready to assist our clients with buying, selling and renting a home. The company is a wholly owned subsidiary of PenFed Credit Union and is the largest independently-owned brokerage in the Berkshire Hathaway HomeServices network, placing us in the top 1% of all real estate brokerages in the country.
With almost 60 offices and nearly 2,000 world-class sales professionals, we offer complete service coverage in Virginia, Maryland, the District of Columbia, Delaware, Pennsylvania, West Virginia, Florida, Tennessee, Kansas and Texas. In addition, we also offer specialized client services which include management of vacation properties and long-term rentals, corporate relocation services and national referral network.
Equal Employment Opportunity
PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same.
PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.
