Credit Verification Specialist (CVS)

General Description Summary

Processes supplemental requests in Advantage Credit’s processing system. Takes calls from clients and assists clients with credit reports and technical support. Initiates calls/faxes to Creditors/Vendors and conference calls which includes borrower(s). Corresponds both verbally and via email with clients, borrowers and creditors. Regularly interacts with other Advantage Credit employees.

• Principal Duties
• Works supplement requests by taking appropriate action to verify and update tradelines that may include calling and/or faxing creditor, reviewing documentation or conducting conference calls.
• Meets or exceeds daily production quotas.
• Maintains work quality and consistently receives satisfactory audits.
• Communicates with our client when the supplement is completed or additional information or documentation is required.
• Continuous follow-up on all requests assigned.
• Return client correspondence in a timely manner.
• Assist clients when they call in with questions and concerns.
• File supporting documentation into credit report file.
• Complete tasks and/or projects that have been assigned by management.
• Maintains the integrity of a database with new phone numbers and contacts for creditors and updates existing ones with current information.
• Remain up to date regarding ongoing policy and procedure changes and upgrades to software utilized.
• Attends and participates in customer service meetings and training.
• Attends and participates in monthly company meetings.
• Remain up to date on industry changes, compliance and regulations.
• Ability to multi-task and work in a fast-paced environment despite interruptions.
• Maintain good working relationships with our clients, creditors and co-workers.
• Other duties may be assigned

• Requirements
• All new Credit Verification Specialists must become FCRA certified.
• Experience in the mortgage and/or credit reporting industries. – One year minimum.
• High School Graduate or GED.
• Must be able to perform independently, be self-motivated and demonstrate initiative.
• Ability to read and interpret documents such as credit reports, mortgage statements, bank and credit statements, court documents and the customer service manual.
• Ability to carry out instructions and requests in an organized and timely manner.
• Knowledge of Internet software and Microsoft Office.
• Demonstrate the ability to learn and understand Advantage Credit systems.
• Demonstrate strong data entry skills.

Authority

This position has no supervisory responsibilities.

Reports to

Credit Verification Manager/Director
Each representative will be assigned to a Manager that he/she will report.

Working Conditions

• All overtime requests must be submitted to and approved by management prior to being submitted to Payroll for process of the payment for overtime.
• Dedicated home office
• Works with dedicated PC and telephone head set.
• Your work environment should be free of clutter and away from outside noise and distractions.
• To be eligible as an employee of ACI, it will be necessary for you to meet the minimum internet requirements.

Skills

• Attention to Detail – Demonstrate an ability to process a large volume of documents rapidly and accurately with close attention to detail.
• Problem Solving – Uses reason, facts and common sense even when dealing with emotional topics.
• Customer Service – Manages difficult or emotional clients or borrowers; responds promptly to clients needs; responds to requests for service and assistance; meets commitments.
• Interpersonal Skills – Focuses on solving conflict; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas.
• Oral Communication – Speak clearly and informatively; listens and asks for clarification; responds well to questions and concerns in a timely manner.
• Written Communication – Writes clearly and informatively; edits work for spelling; able to read and interpret written information; responds well to questions and concerns in a timely manner.
• Teamwork – Contributes to building a positive team atmosphere; supports everyone’s efforts to succeed.
• Cost Consciousness – Conserves organizational resources.
• Diversity – Shows respect and sensitivity for cultural and individual differences.
• Ethics – Treats others with respect; keeps commitments; works with integrity.
• Organizational Support – Follows policies and procedures; completes administrative tasks in a timely manner. Responds quickly and promptly to requests from other departments and team members.
• Motivation – Demonstrates persistence and overcomes obstacles.
• Planning/Organizing – Prioritize and plan work activities; uses time efficiently.
• Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration; follows through on commitments.
• Quality – Demonstrates accuracy and thoroughness; looks for ways to improve and promote quality, providing this input to management.
• Quantity – Meets productivity standards; completes work in timely manner; strives to increase productivity without sacrificing quality; works efficiently and accurately.
• Attendance/Punctuality – Is punctual; ensures work responsibilities are covered when absent; attends meetings promptly.
• Dependability – Follows instructions; responds to management direction and guidance; completes tasks on time.

Performance Measurements

• Attendance Record
• Average Call Handling Time
• Average Daily Supplement Output
• Compliance with standard policy and procedure
• Customer Satisfaction Rating
• Periodic audits
• Periodic reviews

Software

MeridianLink (MCL)
Ring Central
Goldmine
Chrome
Internet Explorer
Outlook
Microsoft Office

Wage – Starting Pay Rate: $16.00

Benefits

• Medical
• Dental
• Vision
• Short Term/Long Term Disability
• Life Insurance
• 401K
• 120 Hours PTO
• Birthday PTO

To apply for this position, please email your cover letter and resume to our HR Department at hr@advcredit.com