Summary/Objective

The Customer Advocate - Credit Reporting is responsible for monitoring the accuracy of ACA’s credit bureau reporting and credit bureau dispute processes as outlined in ACA’s Compliance Management System’s Credit Reporting Manual. The Customer Advocate does not involve direct interaction with customers. This role operates fully onsite in our Spartanburg, SC office.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Perform account level reviews and root cause analysis
• Ensure information ACA furnishes to Credit Reporting Agencies is accurate:
  • Identifies appropriately the consumer(s) to whom the information relates
  • Reflects the terms of, and liability for, the consumer’s account(s)
  • Reflects the consumer’s performance and other conduct with respect to the account(s)
• Provides information with integrity that is:
  • Substantiated by ACA’s records at the time the information is furnished
  • Furnished in a form and manner designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report
• Investigates & responds to Credit Disputes through E-Oscar and other channels in a timely and accurate manor
• Other tasks as assigned

Qualifications

• 1+ years of experience in the auto finance or equivalent consumer finance industry
• Strong understanding of consumer credit report information
• Strong understanding of the auto loan lifecycle
• Excellent written and verbal communication skills
• Detail oriented
• Ability to maintain composure and multitask in a fast paced environment
• Excellent computer skills including Microsoft Office, Windows, SQL, Power Point and the Internet
• Must be a self-motivator while actively participating in a team environment

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

This is a full-time position with a work schedule of Monday-Friday, 8:00a.m. to 5:00p.m. with some schedule variations as needed.

Travel

No travel is expected for this position.

California Privacy Notice

"As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice."

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.  ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

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