Credit Reporting & Flood Specialist

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We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Abilene, Texas, United States

SCOPE/CONTACTS: The Credit Reporting & Flood Specialist is responsible for the day‑to‑day execution of the Bank’s credit reporting and flood processes in accordance with established policies, procedures, and regulatory requirements. This role supports accurate credit data reporting, timely dispute resolution, and proper flood insurance review and monitoring.

The incumbent has frequent contact with lending staff, loan servicing, operations teams, customers, and third‑party vendors, and works under the guidance of the Credit Reporting & Flood Program Manager. Accuracy, attention to detail, and adherence to documented procedures are critical to this position.

ESSENTIAL FUNCTIONS: 

Credit Reporting Responsibilities:

• Participate in activities related to furnishing accurate and timely information to consumer reporting agencies in accordance with Bank procedures and regulatory requirements.
• Maintain records necessary to substantiate the accuracy of information furnished, including documentation related to disputes and verifications.
• Research, investigate, and respond to credit bureau disputes.
• Work with the appropriate parties to delete, update, or correct information in Bank systems to prevent the furnishing of inaccurate credit information.
• Ensure compliance with applicable FCRA requirements when performing all credit reporting activities.
• Communicate effectively with internal departments and external parties regarding credit reporting inquiries or corrections.

Flood Process Responsibilities:

• Review flood determinations and related documentation to confirm whether properties are located in special flood hazard areas requiring flood insurance.
• Verify flood insurance coverage for adequacy, policy type (NFIP or private), coverage amounts, and insured structures in accordance with Bank and regulatory requirements.
• Correspond with lending and operations staff to obtain documentation necessary for final flood approval.
• Support the monitoring and remapping process to ensure adequate flood insurance coverage throughout the life of the loan.

General

• Maintain accurate records, loan file documentation, and system updates to support auditability and data integrity.
• Adhere to established procedures, internal controls, and service standards.
• Perform additional duties and special projects as assigned.
• Actively support the Bank’s Customer Service culture, values, and established policies and procedures.

MINIMUM QUALIFICATIONS:

• High school graduate or equivalent certification with 12 months of administrative experience is required.
• Bachelor’s degree is preferred but may substitute for experience.
• Knowledge of consumer and commercial loan regulations and working knowledge of Bank policies and procedures preferred.
• The incumbent must have a working knowledge of Word, Excel, Outlook, and Adobe Acrobat software. Familiarity with other features of Microsoft’s Office suite of applications will be helpful. 
• Ability to work independently with a professional demeanor, be self-motivated with a cooperative attitude, and work well within a team
• Ability to prioritize a variety of tasks, meet demanding deadlines, and perform daily operations to ensure adherence to bank policies and compliance with all regulatory requirements
• Good oral and written communication skills including grammar, spelling, and composition
• Protect confidential information

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all inherent work requirements.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)