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Become A Bank Examiner

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Working As A Bank Examiner

  • Getting Information
  • Analyzing Data or Information
  • Communicating with Supervisors, Peers, or Subordinates
  • Evaluating Information to Determine Compliance with Standards
  • Making Decisions and Solving Problems
  • Deal with People

  • Mostly Sitting

  • $78,010

    Average Salary

What Does A Bank Examiner Do

Financial examiners ensure compliance with laws governing financial institutions and transactions. They review balance sheets, evaluate the risk level of loans, and assess bank management.

Duties

Financial examiners typically do the following:

  • Monitor the financial condition of banks and other financial institutions
  • Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities
  • Prepare reports that detail an institution’s safety and soundness
  • Examine the minutes of meetings of managers and directors
  • Train other examiners in the financial examination process
  • Review and analyze new regulations and policies to determine their impact on the organization
  • Establish guidelines for procedures and policies that comply with new and revised regulations

Financial examiners typically work in one of two main areas: risk scoping or consumer compliance.

Those working in risk scoping evaluate the health of financial institutions. Their role is to ensure that banks and other financial institutions offer safe loans and that they have enough cash on hand to handle unexpected losses. These procedures help ensure that the financial system as a whole remains stable. These examiners also evaluate the performance of bank managers.

Financial examiners working in consumer compliance monitor lending activity to ensure that borrowers are treated fairly. They ensure that banks extend loans that borrowers are likely to be able to pay back. They help borrowers avoid “predatory loans”—loans that may generate profit for banks through high interest payments but may be costly to borrowers and damage their credit scores. Examiners also ensure that banks do not discriminate against borrowers based on ethnicity or other characteristics.

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How To Become A Bank Examiner

Financial examiners typically need a bachelor’s degree that includes some coursework in accounting. Entry-level examiners are trained on the job by senior examiners.

Education

Specific requirements for financial examiners vary between federal and state governments. However, all financial examiners typically need a bachelor’s degree that includes some coursework in accounting, finance, economics, or a related field. Examiners working for the Federal Deposit Insurance Corporation (FDIC) must have at least 6 semester hours in accounting.

Training

Once hired, financial examiners receive on-the-job training. Entry-level workers begin under the supervision of senior examiners, as they learn their job duties.

Advancement

After a few years of experience, financial examiners can advance to a senior examiner position. Requirements for these positions vary by employer but often require a master’s degree in either accounting or business or becoming a Certified Public Accountant (CPA).

Important Qualities

Analytical skills. Financial examiners need strong analytical skills to evaluate how well the managers of financial institutions are handling risk and whether the individual loans the institution makes are safe.

Detail oriented. Financial examiners must pay close attention to details when reviewing balance sheets to identify risky assets.

Math skills. Financial examiners need good math skills to monitor balance sheets and see if the bank’s or other financial institution’s available cash is dangerously low.

Writing skills. Financial examiners regularly write reports on the safety and soundness of financial institutions. They must be able to explain technical information clearly.

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Bank Examiner jobs

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Bank Examiner Career Paths

Bank Examiner
Internal Auditor Accountant Finance Analyst
Assistant Vice President
7 Yearsyrs
Finance Analyst Finance Manager Sales Manager
Branch Manager
6 Yearsyrs
Assistant Vice President Vice President President
Chief Operating Officer
11 Yearsyrs
Vice President And Manager Senior Consultant Risk Manager
Chief Risk Officer
11 Yearsyrs
Senior Finance Analyst Accounting Manager
Corporate Accounting Manager
8 Yearsyrs
Finance Analyst Controller
Corporate Controller
12 Yearsyrs
Controller Finance Consultant Senior Finance Analyst
Finance Project Manager
7 Yearsyrs
Vice President And Manager Mortgage Consultant Underwriter
Lending Services Manager
7 Yearsyrs
Compliance Officer Compliance Manager Senior Manager
Managing Director
11 Yearsyrs
Compliance Officer Safety Manager Program Manager
Portfolio Manager
7 Yearsyrs
Internal Auditor Controller General Manager
President Of Operations
11 Yearsyrs
Senior Auditor Accounting Manager Human Resources Coordinator
Recruitment Manager
7 Yearsyrs
Loan Reviewer Loan Officer Assistant Vice President
Risk Manager
8 Yearsyrs
Senior Finance Analyst Finance Manager Finance Director
Senior Director Of Finance
14 Yearsyrs
Auditor Accountant Human Resources Coordinator
Senior Human Resources Generalist
7 Yearsyrs
Assistant Vice President Project Manager Program Manager
Senior Manager
10 Yearsyrs
Controller General Manager President Of Operations
Senior Vice President-Operations
13 Yearsyrs
Auditor Finance Analyst Assistant Vice President
Vice President And Manager
10 Yearsyrs
Loan Reviewer Underwriter Assistant Vice President
Vice President And Portfolio Manager
10 Yearsyrs
Senior Auditor Finance Analyst Assistant Vice President
Vice President Operation Manager
9 Yearsyrs
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Bank Examiner Demographics

Gender

Male

60.3%

Female

36.7%

Unknown

3.0%
Ethnicity

White

80.8%

Hispanic or Latino

8.6%

Asian

7.6%

Black or African American

1.6%

Unknown

1.4%
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Languages Spoken

Spanish

50.0%

Portuguese

9.4%

Italian

9.4%

French

6.3%

Swahili

3.1%

Chinese

3.1%

Turkish

3.1%

Uzbek

3.1%

Japanese

3.1%

Kinyarwanda

3.1%

Russian

3.1%

Thai

3.1%
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Bank Examiner Education

Schools

New York University

11.1%

University of Phoenix

7.8%

Northeastern University

7.8%

Texas A&M University

6.7%

University of Alabama

5.6%

Texas Tech University

5.6%

Columbia University

5.6%

University of Washington

4.4%

Mississippi State University

4.4%

University of Chicago

4.4%

University of Nebraska at Omaha

4.4%

Pace University - New York

4.4%

Cornell University

4.4%

Louisiana State University and A&M College

3.3%

Missouri State University

3.3%

University of Florida

3.3%

Thunderbird School of Global Management

3.3%

University of Illinois at Urbana-Champaign

3.3%

Saint John's University - New York

3.3%

Creighton University

3.3%
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Majors

Business

30.0%

Finance

28.9%

Accounting

13.9%

Economics

5.3%

Management

3.8%

Law

3.8%

Marketing

2.2%

Real Estate

1.5%

Psychology

1.3%

Business Economics

1.3%

Education

1.1%

Computer Information Systems

0.9%

Agricultural Business

0.9%

Educational Leadership

0.9%

Liberal Arts

0.9%

Pharmacy

0.7%

Legal Research And Advanced Professional Studies

0.7%

International Relations

0.7%

History

0.7%

Criminal Justice

0.7%
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Degrees

Bachelors

45.4%

Masters

37.9%

Other

7.3%

Doctorate

4.9%

Certificate

2.9%

Associate

0.6%

Diploma

0.6%

License

0.4%
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Top Skills for A Bank Examiner

LargeFinancialInstitutionsConsumerComplianceLiquidityRiskSafetyAssetQualityInternalAuditLoanPortfoliosBankManagementRiskManagementPracticesInternalControlsFinancialConditionFdicBankExaminationsFinancialStatementsExaminer-In-ChargeCorrectiveActionInterestRateRiskOCCCapitalAdequacyExaminationFindings

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Top Bank Examiner Skills

  1. Large Financial Institutions
  2. Consumer Compliance
  3. Liquidity Risk
You can check out examples of real life uses of top skills on resumes here:
  • Conducted interviews with senior management of large financial institutions.
  • Signed several dozen examinations for consumer compliance and trust.
  • Perform analysis of capital, securities and liquidity risk of community banking organizations.
  • Maintained confidentiality in all matters; determined overall safety and soundness of the financial and operating condition of state chartered banks.
  • Examined banks to determine capital adequacy, asset quality, profitability, and liquidity.

Top Bank Examiner Employers

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