Beverly Morton
Lutz,FL
Summary
Results-driven Credit Bureau Reporting Analyst at Flagstar Bank with expertise in regulatory compliance and dispute resolution. Proven ability to enhance data accuracy and streamline processes, ensuring adherence to FCRA guidelines. Strong analytical skills and effective communication foster cross-department collaboration, driving improvements in credit reporting accuracy and customer satisfaction.
Overview
23
23
years of professional experience
Work History
Credit Bureau Reporting Analyst
Flagstar Bank
Troy, MI
01.2022 - Current
- Process and respond to credit report disputes in accordance with regulatory requirements (e.g., FCRA, ECOA).
- Assessed and resolved disputes regarding borrowers' credit reports.
- Submit and update credit data for new loans, changes in account status, and other credit-related events.
- Communicating with other departments, and researching borrower-written requests.
- Utilize eOSCAR software to manage and resolve credit disputes and inaccuracies efficiently.
- Manage and ensure the accurate reporting of client credit information to all major credit bureaus (Innovis, Equifax, Experian, and TransUnion).
- Verify the accuracy of loan data during acquisitions and transfers to ensure compliance with Credit Reporting Agency guidelines.
Consumer Advocate I
Fay Servicing
Tampa, FL
01.2017 - 01.2022
- Preparing payoff requests and verification of mortgages for title companies, banks and various lenders
- Researching direct and indirect credit bureau disputes, FCRA related disputes and CFPB remediation
- Handling the distribution of statement and letter mailings to borrowers per FCRA requirements
- Communicating with other departments and researching borrower written requests
H/r Loan Servicing Representative II
HSBC Bank
Brandon, FL
01.2014 - 01.2017
- Daily processing, balancing, redirection and depositing of customer payments
- Reconcile and balance work, research and resolve discrepancies
- Open customer inquiry transaction to communicate with other departments
- Deciphering payment matrix and reviewing payment history transactions
Customer Service Representative
Interactive Contact Solutions
Riverview, FL
01.2011 - 01.2013
- Received inbound customer calls for various credit cards and credit card protection services
- Processed claims for job loss, disability, family leave, death of a family member and birth/adoption of a child
- Assisted customers and researched a wide variety of concerns
- Developed solid customer service skills including proactive listening, patience and problem solving
Teller
Wells Fargo
Brandon, FL
01.2008 - 01.2011
- Customer Service Specialist
- Selling bank products and services to customers
- Identifying customers financial needs
- Crossed-trained as night drop teller, vault teller, TCD teller, commercial teller and ATM teller
Senior Teller
Bank of America
Valrico, FL
01.2002 - 01.2007
- Ordered/shipped out all the money for the banking center
- Answered questions and solved problems regarding customers financial needs
- Processed wide range of financial transactions
- Approved high dollar customer withdrawal transactions
Education
High School Diploma -
Brandon High School
Skills
- Credit reporting
- Data analysis
- Regulatory compliance
- Dispute resolution
- eOSCAR software
- Data verification
- Problem solving
- Customer service
- Effective communication
- Attention to detail
- Cross-department collaboration
- Research skills
- Time management
- Process improvement
Timeline
Credit Bureau Reporting Analyst
Flagstar Bank
01.2022 - Current
Consumer Advocate I
Fay Servicing
01.2017 - 01.2022
H/r Loan Servicing Representative II
HSBC Bank
01.2014 - 01.2017
Customer Service Representative
Interactive Contact Solutions
01.2011 - 01.2013
Teller
Wells Fargo
01.2008 - 01.2011
Senior Teller
Bank of America
01.2002 - 01.2007
High School Diploma -
Brandon High School
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