Texas
DOB - Financial Examiner II - III: Commercial Bank Examiner (Dallas, Houston, Sa
Texas, Dallas, Texas, United States, 75215
Overview
Working Title:
Financial Examiner II – III: Commercial Bank Examiner
Classification:
Financial Examiner II - III
Class No. / Sal Grp:
U1102 – U1104 / EE00
Monthly Salary:
FE II - $6,528.00; FE III - $7,131.00. Salary/Classification commensurate with qualifications.
Location:
Dallas, Houston, San Antonio
FLSA Status:
Non-Exempt / Exempt
Overnight Travel:
Extensive Travel – Up to 50%
Mission The mission of the Texas Department of Banking is to ensure Texas has a safe, sound, and competitive financial services system.
General Description Works as part of a team that examines the financial condition of state-chartered banks by following approved Departmental policies and procedures. Reviews and analyzes bank records to determine the bank's financial condition and compliance with laws, regulations, supervisory guidelines, and internal policies and procedures. Actively participates in on-the-job training and formal training to acquire basic banking knowledge and bank supervisory skills. Participates in training designed to enhance oral and written communication skills, acquire fundamental analytical skills, and develop strong work ethics. Uses personal computers for various operations and to assist in preparing reports.
Job Duties – FE II
Complete all detail assignments with limited supervision.
Demonstrate knowledge of regulatory policies, procedures, laws and regulations.
May assist in the examination of trust companies or information technology departments.
Act as assistant examiner-in-charge (AEIC) at most financial institutions. May also act as the EIC, under direct supervision, at smaller, non-problem financial institutions.
Review pre-examination data and assist with analyzing, evaluating, and interpreting information to assess capital, asset quality, management, earnings, liquidity, and sensitivity to market risk.
Prepare examination related documents such as workpapers and procedures.
Attend or participate in meetings with bank personnel, management, and boards of directors.
Interact with and interview bank personnel of various levels to obtain information and documents, determine awareness of policies, practices, and laws and regulations, and provide feedback regarding examination activities.
Prepare written comments and conclusions of CAMELS component areas when acting as the AEIC.
Complete assigned tasks in a thorough and timely manner.
Attend all assigned schools and training seminars in the prescribed training matrix.
Communicate examination findings to bank management and boards of directors, under direct supervision.
Develop a basic understanding of financial and credit analysis, with direct supervision. Obtain information needed from management through loan discussions to make an informed credit evaluation decision in a non-complex situation. Prepare written summarizations of criticized or adversely classified assets.
Job Duties – FE III
All listed job duties listed above.
Effectively prepare both the operational portion of the examination report and a thorough tieback before submission to the regional office.
Achieve general understanding of financial and credit analysis. Supervision for the Senior Assistant is primarily limited to training on large, complex, or unusual loan relationships or situations.
Assist in the supervision, training, and evaluation of subordinate personnel.
Performs related work as assigned.
Required Minimum Qualification Experience and Education Requirements:
Financial Examiner II:
Graduation from an accredited four-year college or university with major course work in finance, accounting, economics, business administration or related field with a minimum of six hours in accounting (nine hours preferred) to include basic and/or intermediate accounting courses.
Minimum GPA 2.50 on 4.0 scale for all accounting hours; minimum overall GPA 2.75 on 4.0 scale.
A graduate degree in finance, accounting, business administration, economics, or related field may substitute for an undergrad degree not business-related.
One-year progressive, responsible experience in the regulation, examination, and analysis of financial institutions.
e.g., FDIC, Federal Reserve Bank, OCC.
Financial Examiner III:
Same educational requirements as Financial Examiner II.
Satisfactory completion of all loan procedures, completed as EIC assignments a sufficient number of times.
Successful completion (or scheduled to take) bank operations, credit, and EIC schools, or equivalents.
Two years of progressive, responsible experience in regulation, examination, and analysis of financial institutions.
e.g., FDIC, Federal Reserve Bank, OCC.
Note:
Copy of official college transcripts must be submitted with The State of Texas Application for Employment.
Preferred Qualifications
Work experience with a financial institution desired.
Bilingual in Spanish and English with strong verbal and written communication skills.
Special Requirements
Position requires at least 50% overnight travel.
Must possess or obtain within 90 days a valid Texas Driver’s license. Satisfactory driving records required for driving any vehicle to conduct agency business. Final applicants must certify that personally owned vehicles used for agency business have Texas minimum liability coverage and a valid state inspection.
Incumbent must demonstrate strong personal financial responsibility and integrity.
Applicants may be asked to complete a work style profile; final applicants may undergo background checks.
State law prohibits indebtedness or financial interest in an entity supervised by the Banking Commissioner (Texas Finance Code, Sec. 12.107).
For any regulatory or industry experience, the applicant may need to provide a training profile.
Knowledge, Skills, and Abilities
Clear and effective oral and written communication.
Working knowledge of personal computers, especially word processing and spreadsheets.
Accuracy in mathematical and financial calculations.
Skill in collecting, analyzing, and documenting research data; preparing accurate written reports.
Ability to maintain effective working relationships with supervisors, co-workers, regulated entity employees, and the public.
Self-motivation and ability to follow established examination procedures.
Ability to learn moderately complex technical issues and maintain complex records.
Ability to read, comprehend, and apply banking rules and statutes; maintain confidentiality.
Physical Requirements and Working Conditions The position requires sedentary office work with periods of mobility for duties; extensive computer and equipment use; ability to learn, recall, and apply policies; ability to maintain attention to detail; and normal cognitive abilities for reading and communicating with others. Reasonable accommodations available for disabilities.
This position requires:
Regular and punctual attendance.
Frequent use of computers, copiers, printers, telephones.
Frequent sitting and work under stress as a team member.
Up to 50% overnight travel.
How to Apply To submit your application for employment, select Apply Online. Create and/or log in to your online applicant profile and electronically submit the State of Texas Application for Employment. All applications must contain complete job histories with proper details; resumes do not replace this information.
Transcripts If education is used to meet minimum requirements, a copy of college transcripts issued by the registrar must be uploaded. Foreign credentials must be evaluated by a NACES or AICE member service. Contact jobs@dob.texas.gov if assistance is needed with uploading transcripts.
Work in Texas and CAPPS Applications may be submitted through Work in Texas (WIT); complete CAPPS Recruit supplemental questions to be considered. Sign in at CAPPS Recruit link for the position.
Remarks State law prohibits indebtedness or financial interest in an entity supervised by the Banking Commissioner (Texas Finance Code, Sec. 12.107). Finalists contacted by telephone. Equal Opportunity Employer; reasonable accommodation available during the application process at (512) 475-1345.
E-Verify This organization participates in E-Verify to confirm work authorization.
EEO Statement The Texas Department of Banking is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, national origin, veteran status, age, or disability in employment or services. Reasonable accommodation provided for applicants with disabilities.
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Financial Examiner II – III: Commercial Bank Examiner
Classification:
Financial Examiner II - III
Class No. / Sal Grp:
U1102 – U1104 / EE00
Monthly Salary:
FE II - $6,528.00; FE III - $7,131.00. Salary/Classification commensurate with qualifications.
Location:
Dallas, Houston, San Antonio
FLSA Status:
Non-Exempt / Exempt
Overnight Travel:
Extensive Travel – Up to 50%
Mission The mission of the Texas Department of Banking is to ensure Texas has a safe, sound, and competitive financial services system.
General Description Works as part of a team that examines the financial condition of state-chartered banks by following approved Departmental policies and procedures. Reviews and analyzes bank records to determine the bank's financial condition and compliance with laws, regulations, supervisory guidelines, and internal policies and procedures. Actively participates in on-the-job training and formal training to acquire basic banking knowledge and bank supervisory skills. Participates in training designed to enhance oral and written communication skills, acquire fundamental analytical skills, and develop strong work ethics. Uses personal computers for various operations and to assist in preparing reports.
Job Duties – FE II
Complete all detail assignments with limited supervision.
Demonstrate knowledge of regulatory policies, procedures, laws and regulations.
May assist in the examination of trust companies or information technology departments.
Act as assistant examiner-in-charge (AEIC) at most financial institutions. May also act as the EIC, under direct supervision, at smaller, non-problem financial institutions.
Review pre-examination data and assist with analyzing, evaluating, and interpreting information to assess capital, asset quality, management, earnings, liquidity, and sensitivity to market risk.
Prepare examination related documents such as workpapers and procedures.
Attend or participate in meetings with bank personnel, management, and boards of directors.
Interact with and interview bank personnel of various levels to obtain information and documents, determine awareness of policies, practices, and laws and regulations, and provide feedback regarding examination activities.
Prepare written comments and conclusions of CAMELS component areas when acting as the AEIC.
Complete assigned tasks in a thorough and timely manner.
Attend all assigned schools and training seminars in the prescribed training matrix.
Communicate examination findings to bank management and boards of directors, under direct supervision.
Develop a basic understanding of financial and credit analysis, with direct supervision. Obtain information needed from management through loan discussions to make an informed credit evaluation decision in a non-complex situation. Prepare written summarizations of criticized or adversely classified assets.
Job Duties – FE III
All listed job duties listed above.
Effectively prepare both the operational portion of the examination report and a thorough tieback before submission to the regional office.
Achieve general understanding of financial and credit analysis. Supervision for the Senior Assistant is primarily limited to training on large, complex, or unusual loan relationships or situations.
Assist in the supervision, training, and evaluation of subordinate personnel.
Performs related work as assigned.
Required Minimum Qualification Experience and Education Requirements:
Financial Examiner II:
Graduation from an accredited four-year college or university with major course work in finance, accounting, economics, business administration or related field with a minimum of six hours in accounting (nine hours preferred) to include basic and/or intermediate accounting courses.
Minimum GPA 2.50 on 4.0 scale for all accounting hours; minimum overall GPA 2.75 on 4.0 scale.
A graduate degree in finance, accounting, business administration, economics, or related field may substitute for an undergrad degree not business-related.
One-year progressive, responsible experience in the regulation, examination, and analysis of financial institutions.
e.g., FDIC, Federal Reserve Bank, OCC.
Financial Examiner III:
Same educational requirements as Financial Examiner II.
Satisfactory completion of all loan procedures, completed as EIC assignments a sufficient number of times.
Successful completion (or scheduled to take) bank operations, credit, and EIC schools, or equivalents.
Two years of progressive, responsible experience in regulation, examination, and analysis of financial institutions.
e.g., FDIC, Federal Reserve Bank, OCC.
Note:
Copy of official college transcripts must be submitted with The State of Texas Application for Employment.
Preferred Qualifications
Work experience with a financial institution desired.
Bilingual in Spanish and English with strong verbal and written communication skills.
Special Requirements
Position requires at least 50% overnight travel.
Must possess or obtain within 90 days a valid Texas Driver’s license. Satisfactory driving records required for driving any vehicle to conduct agency business. Final applicants must certify that personally owned vehicles used for agency business have Texas minimum liability coverage and a valid state inspection.
Incumbent must demonstrate strong personal financial responsibility and integrity.
Applicants may be asked to complete a work style profile; final applicants may undergo background checks.
State law prohibits indebtedness or financial interest in an entity supervised by the Banking Commissioner (Texas Finance Code, Sec. 12.107).
For any regulatory or industry experience, the applicant may need to provide a training profile.
Knowledge, Skills, and Abilities
Clear and effective oral and written communication.
Working knowledge of personal computers, especially word processing and spreadsheets.
Accuracy in mathematical and financial calculations.
Skill in collecting, analyzing, and documenting research data; preparing accurate written reports.
Ability to maintain effective working relationships with supervisors, co-workers, regulated entity employees, and the public.
Self-motivation and ability to follow established examination procedures.
Ability to learn moderately complex technical issues and maintain complex records.
Ability to read, comprehend, and apply banking rules and statutes; maintain confidentiality.
Physical Requirements and Working Conditions The position requires sedentary office work with periods of mobility for duties; extensive computer and equipment use; ability to learn, recall, and apply policies; ability to maintain attention to detail; and normal cognitive abilities for reading and communicating with others. Reasonable accommodations available for disabilities.
This position requires:
Regular and punctual attendance.
Frequent use of computers, copiers, printers, telephones.
Frequent sitting and work under stress as a team member.
Up to 50% overnight travel.
How to Apply To submit your application for employment, select Apply Online. Create and/or log in to your online applicant profile and electronically submit the State of Texas Application for Employment. All applications must contain complete job histories with proper details; resumes do not replace this information.
Transcripts If education is used to meet minimum requirements, a copy of college transcripts issued by the registrar must be uploaded. Foreign credentials must be evaluated by a NACES or AICE member service. Contact jobs@dob.texas.gov if assistance is needed with uploading transcripts.
Work in Texas and CAPPS Applications may be submitted through Work in Texas (WIT); complete CAPPS Recruit supplemental questions to be considered. Sign in at CAPPS Recruit link for the position.
Remarks State law prohibits indebtedness or financial interest in an entity supervised by the Banking Commissioner (Texas Finance Code, Sec. 12.107). Finalists contacted by telephone. Equal Opportunity Employer; reasonable accommodation available during the application process at (512) 475-1345.
E-Verify This organization participates in E-Verify to confirm work authorization.
EEO Statement The Texas Department of Banking is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, national origin, veteran status, age, or disability in employment or services. Reasonable accommodation provided for applicants with disabilities.
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