Credit Bureau Reporting Specialist

Ameris Bank is a purpose-driven company, dedicated to bringing financial peace of mind to communities, one person at a time. Whether a customer wants to grow their business, buy a home, or feel confident in their retirement plan, they have a partner in Ameris Bank. We serve customers in our locations across the Southeast, Mid-Atlantic and nationwide through our extensive digital offerings and mobile app.

Delivering financial peace of mind starts with a team that values integrity and rewards ingenuity. At Ameris, you'll find teammates who are inclusive, collaborative problem-solvers who go the extra mile to support one another and to meet every customer's needs. When teammates are empowered and bring their diverse perspectives to the table, we create the best possible outcomes for our customers. At Ameris, we know that a growth mindset is key for high performance and fosters an environment that prioritizes continuous improvement. Teammates have access to Employee Resource Groups that serve as advocates and allies as well as professional development opportunities to drive ongoing education. Learn more about our purpose and how you can bring it to life as an Ameris Bank teammate.

The Credit Bureau Reporting Specialist is responsible for ensuring accurate data is furnished to credit bureaus, which includes researching and responding to credit bureau disputes timely, adherence to Metro 2 guidelines, and advanced knowledge of the loan operation functions, including Commercial, Construction, Consumer Loans, and Lines of Credit. The Credit Bureau Reporting Specialist will monitor loans to ensure compliance with CDIA regulations and bank policies and is responsible for working internal and external metric reports to identify root cause for credit reporting discrepancies. Performs other projects and duties as assigned.

Essential Functions, Duties, and Responsibilities:

* Responds to all direct and indirect credit disputes with reasonable investigations by due dates.

* Maintains credit reporting logs to ensure compliance with RESPA requirements.

* Monitors metric reports from credit reporting agencies and FIS to ensure credit reporting errors are resolved.

* Communicates with loan officers, department leaders, and teammates to collect needed documentation to support investigations.

* Maintains compliance with internal controls, operational procedures and risk management policies.

* Assists with review and updates to departmental procedures and assist management with process improvements.

* Reviews and maintains various departmental reports in order to identify trends or areas of concern.

* Manages incoming mail and outbound dispute letters.

* Provides assistance and training to loan operations team members.

Required Knowledge, Skills and Competencies:

* Excellent verbal and written communication skills.

* Self-motivated and strong attention to detail.

* Able to plan, organize and prioritize tasks and meet multiple deadlines.

* Able to analyze and record detailed information and produce accurate, high quality work products.

* Able to research, analyze, identify viable options, draw sound conclusions, and present findings.

* Able to manage and organize a high volume of documents.

* Highly motivated team player with ability to provide interactive service to others, building relationships and addressing identified needs.

* Knowledge of FCRA requirements and CDIA Metro 2 guidelines.

* Proficient in Microsoft Office applications.

* Experience in e-Oscar platform.

Industry and Work Experience:

* 2-5 years of Credit Bureau or related consumer financial experience required.

* Experience using relevant banking and document storage software applications preferred.

Academic:

* High school diploma or GED required

* Bachelor's degree in Business or related field preferred.

Benefits Available to Employees:

Ameris Bank provides a comprehensive employee benefit package to all eligible employees.

• Medical, Dental and Vision Insurance
• Ameris Bank absorbs a major portion of the cost of healthcare. You become eligible for coverage on the first of the month following 30 days of employment
• Life Insurance provided at no additional cost to employees
• Accidental Death & Dismemberment Coverage
• Long-Term Disability Coverage
• Paid Sick and Vacation Leave
• 11 Holidays
• Volunteer/Service Day
• Employee Stock Purchase Plan
• 401(k) Retirement Plan
• Ameris Bank matches 50% of your first 8% of contributions to the plan
• Flexible Spending Accounts
• Health Savings Account
• Health Reimbursement Arrangement
• Supplemental Life & Other Insurance Plans
• Identity Theft Protection
• Pet Insurance
• Legal Insurance
• Employee Assistance Program
• Employee Advocacy Program
• Tickets at Work (Entertainment discounts for Ameris Bank Employees)
• AT&T Employee Discount
• Wellness Discounts for Medical Premiums and Other Rewards
• Employee Referral Incentive
• Education Assistance
• Employee Resource Groups

Banking Advantages for Employees:

In addition to a wide array of benefits, Ameris Bank employees are also eligible for special bank services.

• Free Interest Checking
• Free Safe Deposit Box
• Free Money Orders, Travelers' Checks and Cashier Checks
• Discount on Mortgage Origination Fee
• Free Online Banking and Free Unlimited Online Bill Payment
• Employee Banking Perks

Disclaimer:

The above job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required for the position.

All job requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a direct threat or significant risk to the health and safety of themselves or other employees.