Credit Reporting Associate

At MidWest America youre more than just an employee, youre part of a mission-driven team committed to making a real difference in the lives of others. We believe in the power of people helping people, and that every unique background, voice, and perspective makes us stronger. Here, youll find a workplace rooted in community, inclusion, and equity, where youre encouraged to bring your whole self to work and grow with purpose. We serve every member with compassion and respect, no matter their financial journey. So bring your passion. Share your ideas. Be part of something meaningful. Find your place. Build your future. Make an impact, right where it matters most Job Summary: Responsible for managing and processing credit bureau related items for the credit union. This role oversees all aspects of credit reporting, including communication with members, the credit bureaus and internal departments. Duties include handling members disputes, monitoring internal reports to ensure reporting accuracy, and serving as the main point of contact for all credit bureaurelated matters. Additionally, this role provides backup support for incoming department phone calls to ensure coverage during lunch hours and employee absences (e.g., vacations). Qualifications: Required: Must have a high school diploma, GED, or equivalent. At least one (1) year previous customer service experience, either in accounts payable, sales or lending. Reliable transportation to and from work Essential Elements of the Job: Dispute Resolution & Member Communication Respond to member disputes through E-Oscar, mail, and email per credit bureau notification requirementsCoordinate responses to Consumer Credit Repair Services acting on behalf of membersCommunicate with members, credit bureaus, and internal departments throughout the investigation process Credit Reporting Accuracy & Investigation Investigate and audit accounts to ensure accurate credit reportingReview and work internal reports to validate the accuracy of tradeline data submitted to credit bureausRespond to and process credit bureau notifications received through E-Oscar and mail Compliance & Regulatory Oversight Partner with Internal Audit to ensure compliance with the Fair Credit Reporting Act (FCRA)Address and resolve member complaints submitted through agencies such as the BBB and NCUAMaintain adherence to internal policies and regulatory standards related to credit reporting practices Professional Presence Maintain a positive and professional image, consistently embodying the Credit Unions mission, vision, and values. Additional Job Requirements: Actively participate in seminars/training and workshops as required. Other administrative duties as assigned. Job Skills and Work Relations: Required Competencies Dispute Management & Service Responsiveness o Demonstrates timely and accurate resolution of member disputes across E-Oscar, mail, and email within required deadlines o Maintains clear, professional communication with all stakeholders during the dispute resolution process o Strong attention to detail to ensure compliance with policies, procedures, and regulatory requirements. Analytical Accuracy & Attention to Detail o Clear and professional communication with members, insurance providers, and internal teams. o Ability to explain complex claim processes and loan protection products in an understandable manner. o Strong interpersonal skills to manage sensitive situations with empathy and professionalism. Regulatory Compliance & Risk Management o Applies knowledge of the Fair Credit Reporting Act (FCRA) to ensure compliant credit reporting practices o Collaborates with Internal Audit to support compliance reviews and uphold regulatory standards o Handles escalated complaints from agencies such as the BBB and NCUA with professionalism and adherence to policy Benefits: 401(k)401(k) matchingDental insurancePaid Short & Long-Term Disability insuranceHealth insurancePaid Life insurancePaid time offPaid Vision insurance16 Paid time off volunteer hoursLoan rate discountsSick TimePaid holidays (Federal holidays observed)Personal TimeTuition ReimbursementCompetitive PayFinancial PlanningIdentity Theft MonitoringComprehensive training provided by a dedicated training staff Employee reports directly to the Mortgage Lending Manager. The position is a Grade 6. MidWest America is an equal opportunity employer. We are committed to creating a diverse and inclusive workplace where all individuals are treated with respect and dignity. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, age, genetic information, veteran status, or any other characteristic protected by applicable federal, state, or local law. All qualified applicants will receive consideration for employment.