Financial Examiners

Enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify, or authenticate records.

Median Annual Wage: $76,310

Education: Bachelor's degree (84%); Master's degree (12%); Associate's degree (4%)

Projected Growth: Slower than average (3% to 7%)

Related Job Titles: Community Reinvestment Act Officer (CRA Officer); Bank Secrecy Act Anti-Money Laundering Officer (BSA/AML Officer); Credit Union Examiner; Credit Union Field Examiner; Examining Officer; Home Mortgage Disclosure Act Specialist (HMDA Specialist); Principal Examiner; Senior Capital Markets Specialist; Senior Examiner; Supervisory Examiner

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Source: O*NET OnLine information for Financial Examiners.

More Business and Financial Operations Careers

  • Prepare reports, exhibits and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.
  • Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
  • Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
  • Direct and participate in formal and informal meetings with bank directors, trustees, senior management, counsels, outside accountants and consultants to gather information and discuss findings.
  • Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
  • Plan, supervise, and review work of assigned subordinates.
  • Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
  • Train other examiners in the financial examination process.
  • Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
  • Examine the minutes of meetings of directors, stockholders and committees to investigate the specific authority extended at various levels of management.
  • Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
  • Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
  • Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
  • Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
  • Provide regulatory compliance training to employees.
  • Review applications for mergers, acquisitions, establishment of new institutions, acceptance in Federal Reserve System, or registration of securities sales to determine their public interest value and conformance to regulations, and recommend acceptance or rejection.

Source: O*NET OnLine information for Financial Examiners.

  • Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
  • Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
  • Speaking - Talking to others to convey information effectively.
  • Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making.
  • Writing - Communicating effectively in writing as appropriate for the needs of the audience.
  • Management of Personnel Resources - Motivating, developing, and directing people as they work, identifying the best people for the job.
  • Judgment and Decision Making - Considering the relative costs and benefits of potential actions to choose the most appropriate one.
  • Coordination - Adjusting actions in relation to others' actions.
  • Complex Problem Solving - Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Source: O*NET OnLine information for Financial Examiners.

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