Are you a Credit engineer or strategist?

About Us We are building a high-performance financial strategy company focused on driving real financial transformation. This is credit engineering not repair. We believe improving a credit score is only one piece of the equation. True financial progress comes from understanding lending, rebuilding properly, preparing for major financial goals, and creating personalized strategies that position clients for long term success. Our clients are not simply looking for items removed. They are preparing to buy homes. Qualify for business funding. Purchase investment properties. Obtain vehicle financing. Recover from bankruptcies. Rebuild after financial hardship. Create stronger financial futures. We are seeking an experienced Credit Engineer or Senior Credit Strategist who understands that every credit profile tells a story and every recommendation impacts a client's future. This is not an entry level opportunity. This is not a dispute processing position. We are looking for someone who can think strategically, analyze complex situations, educate clients, and build personalized financial roadmaps that create measurable results. Your Mission Your mission is simple: Help clients move from where they are financially to where they want to be. You will not simply remove negative items. You will build plans. Identify obstacles. Prepare clients for funding. Educate them on credit. Create strategies. Guide them through financial transformation. Responsibilities ✅ Analyze credit reports and identify opportunities for improvement ✅ Build personalized credit improvement and funding strategies based on client goals ✅ Handle complex files involving: • Bankruptcies • Repossessions • Foreclosures • Collections • Charge offs • Late payments • High utilization • Severe derogatory events ✅ Develop mortgage readiness plans ✅ Assist with loan preparation and funding positioning ✅ Educate clients on utilization, payment behavior, account structure, and rebuilding strategies ✅ Create action plans for home purchases, business funding, vehicle financing, and debt reduction ✅ Understand lender requirements and approval factors ✅ Manage disputes when appropriate while recognizing when rebuilding is more important than removal ✅ Maintain accurate client records and progress tracking ✅ Manage multiple active client files while maintaining exceptional organization ✅ Stay current on industry changes, scoring models, compliance requirements, lending guidelines, and bureau behavior Requirements 🔹 Minimum 2 years of experience in credit repair, credit counseling, mortgage preparation, lending, or financial services 🔹 Strong understanding of FCRA, FDCPA, CROA, CFPB regulations, and compliance standards 🔹 Ability to interpret Experian, Equifax, and TransUnion reports strategically 🔹 Experience with bankruptcies, severe derogatory profiles, and rebuilding plans 🔹 Strong communication and client education skills 🔹 Ability to explain complex financial concepts simply 🔹 High level problem solving abilities 🔹 Strong organizational skills and attention to detail 🔹 Self motivated and capable of working independently 🔹 Commitment to continuous learning and professional development Preferred Experience ⭐ Mortgage preparation and loan readiness ⭐ Rapid rescore knowledge ⭐ Business credit and funding preparation ⭐ Experience working with loan officers, mortgage brokers, or lenders ⭐ Knowledge of underwriting guidelines ⭐ Real estate buyer preparation ⭐ Business funding strategies ⭐ Credit counseling certifications ⭐ Experience building internal systems and processes Who You Are You think beyond disputes. You understand that a 680 score means nothing if the profile cannot obtain financing. You understand lenders. You understand risk. You understand timing. You know when to dispute, when to rebuild, and when to educate. You see the entire financial picture. This Role Is Probably Not For You If: ❌ You only know how to send dispute letters. ❌ You rely on templates for every client. ❌ You do not stay updated on industry changes. ❌ You struggle explaining financial concepts. ❌ You need constant supervision. ❌ You believe every negative item should be disputed. ❌ You view this as simply another credit repair job. Interview Questions 1. A client has a 590 score, two collections, and wants to purchase a home within six months. What is your strategy? 2. A client has a Chapter 7 bankruptcy and wants business funding in 18 months. How would you approach this? 3. Explain the difference between repairing credit, rebuilding credit, and engineering credit. 4. What factors matter most for mortgage approval beyond the score itself? 5. Tell us about a difficult client situation and how you created a successful outcome. Why Join Us? ✨ Remote opportunity ✨ Performance based compensation ✨ Opportunity to help people truly change their financial future ✨ High performance environment ✨ Long term growth opportunities ✨ Opportunity to help build something different than traditional credit repair How To Apply 📩 Send your resume and/or LinkedIn profile 📩 Share your experience with credit repair, lending, mortgage preparation, or business funding 📩 Include a brief explanation of your approach to helping clients improve their financial position Bonus: Tell us about a difficult credit file you successfully improved and explain the strategy behind your recommendations.