Credit Industry Specialist

Job Category: Primary Location:USA-TX: TEXAS-HOUSTONSchedule:Full-time Job Type:Standard Employee Status:RegularJob Posting: 2008-09-05Description: Job Description:Performs a variety of activities in support of the Consumer Assistance Center and Legal Department. Individual may respond to customer or consumer requests for information on credit history and related information including but not limited to the Better Business Bureau, Attorney Generals Office, Federal Trade Commission and attorneys or their clients. Obtains updated credit history and related data. Operates a computer terminal keyboard to enter and verify data from a variety of source documents using numeric, alphabetic, and symbolic. Credit Industry Specialist will be able to perform all of the functions under Essential Responsibilities, in addition to the General Responsibilities.RESPONSIBILITIESGeneral1. Responsible for participating in a Continuous Improvement Process Plan2. Adherence to company policies and procedures.3. Adherence to applicable fair credit reporting & other related applicable laws & regulations.4. Leadership skills required to instruct guide and check the work of others.5. Takes a leading role in implementing and supporting departmental management decisions.Credit Services RepresentativeEssential1. Using a computer terminal gives verbal credit reports to credit bureau members and non-members.2. Assists consumers in reading and understanding the contents of their credit files; initiates credit dispute investigation.3. Enters appropriate billing codes into the system for each billable service.4. Contacts other credit bureaus in an effort to resolve consumer disputes.5. May perform file maintenance functions such as adding, deleting, or updating information on the system.6. Maintains logs, records, and reports as required.7. Advises management promptly of situations that have the potential for legal action.8. Investigates items in the consumer's file in a timely manner.Credit InvestigatorEssential1. Using established guidelines, reviews credit reports, mortgage applications, and/or special member requests when determining data to be verified and updated.2. Obtains up-to-date credit history and related data by telephone and written verifications with credit grantors, employers, credit bureaus, court houses, and consumers.3. May access credit files from other vendors' systems or contacts other credit bureaus for additional consumer data.4. Investigates items in the consumer's file in a timely manner;5. Maintains thorough documentation of interviews conducted, disputes investigated, and corrections made to the consumer's credit file.6. May enter updated credit data directly into computerized system.7. May notify recent credit inquirers of corrections made to the consumer's file.8. Advises management promptly of situations that have the potential for legal action.9. Maintain logs, records and reports as required.Maintenance ReviewerEssential1. Recognizes improper or incomplete data related to the credit file, makes adjustments in compliance with the state and federal laws and organizational policies and procedures.2. Compares data on printouts or screens to source data to detect and correct errors.3. May be required to print reports, correspondence, and/or other printed data using the computer system.4. May correct or record omissions, errors, or inconsistencies found.5. Sends reports to final print.6. Advises management promptly of situations that have the potential for legal action.7. Upon completion of the verification process, initiates amended copies, member copies or consumer communications to be sent. May enter updated credit data directly into computerized system.8. Applicant must have acceptable credit history for this position.Nonessential1. Performs other clerical duties as required.KNOWLEDGE, SKILLS, AND ABILITIES1. Work requires a high school diploma or equivalent2. Experience in credit services, preferably in one of the above. 3. Familiar with other credit reporting functions preferred. (i.e. disclosure, CDV processing, customer updates).4. Simple problem solving is required.5. Professional telephone communication skills required when interacting with clients and/or consumers.6. Demonstrated proficiency in reading a credit report required.7. Leadership skills are required to instruct, guide, and assist others.8. Able to work overtime as required by Management.9. General typing skills required.10. Must demonstrate strong oral and written communication skills. Remote Work Location Authorized:No Relocation Assistance:Not AvailableClearance Level:None Create Success