BANK EXAMINER

Overview

Under general supervision, is responsible for professional bank examination work of considerable difficulty; and performs related work as required. This is the advanced working level class in the Bank Examiner sub-series. An employee in this class is responsible for conducting examinations of state-chartered banks. Work involves examining bank records, financial statements and preparing reports to ensure that bank operations and financial conditions adhere to the banking laws, rules and regulations of the state.

• Lead—Serve as Examiner-in-Charge (EIC) leading the examination of satisfactorily rated institutions and learn to be EIC of troubled and complex institutions. For the examination of complex, troubled, and satisfactorily rated institutions, serve as Asset Manager overseeing the examination team's evaluation of loans, other real estate, and investments and serve as Operations Manager overseeing the team's evaluation of capital, earnings, liquidity, interest rate risk, and internal controls.
  
  Risk-focused examination procedures and employ a regulatory balance approach to all examination activities.
• Make Decisions and Solve Problems—Determine initial CAMELS ratings, determine initial loan ratings, assess and determine if the financial institution's overall risk management policies and procedures are sufficient and effective in averting risk, and interpret regulatory statutes, guidelines, policies, and procedures for internal and external customers to ensure that financial institutions are meeting all state and federal guidelines.
• Analyze Data or Information—Review and analyze loans to determine credit quality, potential risk of loss to capital. Review appropriateness of Allowance for Credit Losses. Examine and analyze the capital position, earnings profile, liquidity position, sensitivity to market risk posture, other real estate portfolio, and Bank Secrecy Act / Anti-Money Laundering program.
• Organize, Plan, and Prioritize Work—Complete examination preplanning and scoping assignments, manage and prioritize multiple work assignments, and organize, plan, and oversee meetings with financial institution management/directorate and other regulatory agencies.
• Communicate Information—Establish and maintain a diverse array of professional relationships with executives from financial institutions, federal counterparts, accountants, and legal professionals to ensure a comprehensive understanding of the institutions under regulation. Engage collaboratively with federal regulators and banking industry representatives to foster a balanced and consistent regulatory framework.
• Prepare and Review Written Comments, Analyses, and Related Documentation—Write comments and analyses for examination reports, scope memoranda, work papers, and other documentation to support findings, conclusions, and ratings. Review comments and analyses prepared by other members of the examination team to determine accuracy and relevancy.
• Relevant Industry Knowledge—Maintain up-to-date knowledge of regulatory processes, procedures, regulatory, and industry trends. Provide positive coaching to team members. Actively participate in required schools/training and complete requisite pre-course work when applicable.
• Travel—Travel to in-state and out-of-state sites to complete examination training and to examination and other work sites.

Graduation from an accredited college or university with a bachelor's degree in finance, accounting, banking or business-related field and a minimum of nine semester hours of accounting and/or finance; and experience equivalent to three years of full-time professional bank examination work with a federal or state agency.

• Must demonstrate satisfactory completion of the FDIC Introduction to Examination School, or equivalent training provided by the Conference of State Bank Supervisors or Federal Reserve
• Must demonstrate satisfactory completion of the FDIC Financial Institution Analysis School, or equivalent training provided by the Conference of State Bank Supervisors or Federal Reserve
• Must demonstrate satisfactory completion of the FDIC Asset Liability Management School, or…