What are the responsibilities and job description for the Credit Reporting Specialist position at United Wholesale Mortgage?
The Mortgage Servicing Credit Reporting Specialist is responsible for ensuring the accurate and timely reporting of mortgage loan data to credit bureaus in compliance with the Fair Credit Reporting Act (FCRA), Metro 2® format, investor guidelines, and company policies. This role plays a key part in maintaining data integrity and resolving credit disputes to protect the organization from regulatory risk and support borrower credit accuracy.
What You Will Be Doing
Must-Have Qualifications:
Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.
It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life.
From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.
More Reasons You’ll Love Working Here Include
All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job-related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise. Employment with UWM is "at-will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.
What You Will Be Doing
- Prepare and submit monthly credit bureau files using Metro 2® format for all active mortgage loans.
- Ensure all data reported to credit bureaus is accurate and in compliance with FCRA and company standards.
- Research and resolve borrower credit reporting disputes received from credit bureaus (e-Oscar), internal teams, or directly from borrowers.
- Coordinate with internal departments (e.g., default servicing, payment processing, loss mitigation) to validate loan data.
- Maintain detailed records of credit reporting activities and dispute resolutions.
- Monitor exception reports and perform audits to identify and correct reporting errors proactively.
- Respond to credit bureau inquiries and follow through on updates or corrections within regulatory timeframes.
- Assist with internal and external audits related to credit reporting.
- Support implementation of credit reporting system updates or process improvements.
- Stay current with regulatory changes and credit reporting best practices.
Must-Have Qualifications:
- High school diploma or equivalent required; Associate or Bachelor’s degree preferred.
- 2 years of experience in mortgage servicing, credit reporting, or related financial services role.
- Familiarity with credit bureau reporting standards (e.g., Metro 2® format) and FCRA regulations.
- Strong analytical and problem-solving skills.
- High attention to detail and accuracy.
- Proficient with loan servicing systems (e.g., MSP, Black Knight, or similar) and credit reporting tools.
- Excellent written and verbal communication skills.
- Ability to manage multiple priorities and meet strict deadlines.
- Strong organizational and documentation skills.
- Proficiency in Microsoft Office (Excel, Word, Outlook).
- Experience working with the e-Oscar platform for credit dispute resolution.
- Knowledge of investor (Fannie Mae, Freddie Mac, FHA, VA) reporting guidelines.
- Prior experience in regulatory audits or quality control.
Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.
It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life.
From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.
More Reasons You’ll Love Working Here Include
- Paid Time Off (PTO) after just 30 days
- Additional parental and maternity leave benefits after 12 months
- Adoption reimbursement program
- Paid volunteer hours
- Paid training and career development
- Medical, dental, vision and life insurance
- 401k with employer match
- Mortgage discount and area business discounts
- Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
- Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon
- Gourmet cafeteria featuring homemade breakfast and lunch
- Convenience store featuring healthy grab-and-go snacks
- In-house Starbucks and Dunkin
- Indoor/outdoor café with Wi-Fi
All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job-related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise. Employment with UWM is "at-will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.