Credit Reporting Specialist

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well‑built, eco‑friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote‑first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home.

We are dedicated to enhancing consumers’ financial outcomes and tackling the affordable housing crisis through cutting‑edge technology and innovative solutions.

We’re seeking a detail‑oriented Credit Reporting Specialist to join our Servicing Team. In this role, you’ll ensure that borrower credit information is reported accurately, consistently, and in compliance with industry and regulatory standards. You’ll handle bureau reporting, dispute investigations, and data reconciliations that directly impact customer credit health and company risk management.

This position is ideal for someone with strong analytical skills, experience in credit or loan servicing, and a passion for accuracy and process improvement –
no college degree required
.

Key Responsibilities

• Prepare, review, and submit monthly credit reporting data to all major credit bureaus (Experian, Equifax, Trans Union, Innovis).
• Reconcile and verify loan servicing data to ensure reporting accuracy.
• Investigate and resolve credit reporting disputes in compliance with FCRA and Metro 2 guidelines.
• Monitor credit data for errors, delinquencies, or inconsistencies and coordinate corrections promptly.
• Maintain thorough documentation of reporting processes and system updates.
• Collaborate with IT, Risk, and Compliance teams to improve reporting workflows and data quality.
• Provide internal reports and insights on servicing and credit performance.
• Support audits, system testing, and regulatory reviews as needed.

Qualifications

Required:

• 2+ years of experience in credit reporting, loan servicing, or a related financial operations role.
• Strong understanding of Metro 2 format and credit bureau data submission.
• Knowledge of FCRA and consumer credit reporting regulations.
• Excellent attention to detail and organizational skills.
• Proficiency in Excel and data reconciliation.
• Strong problem‑solving and communication skills.

Preferred:

• Experience with loan servicing systems (e.g., MSP, FIS, Loan Serv, or similar).
• Familiarity with credit dispute management and audit processes.
• Background in consumer lending, mortgage, or auto servicing.

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.
• As a participating employer, we will use E‑Verify to confirm employment eligibility.
• Please note that we are currently only hiring candidates who reside in the following states:
  Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we’re passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation
  :
  We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.
• Equity for All
  :
  As part of our commitment to shared…