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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

  • $83,000

    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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Do you work as a Bank Examiner?

Average Yearly Salary
$83,000
View Detailed Salary Report
$40,000
Min 10%
$83,000
Median 50%
$83,000
Median 50%
$83,000
Median 50%
$83,000
Median 50%
$83,000
Median 50%
$83,000
Median 50%
$83,000
Median 50%
$172,000
Max 90%
Highest Paying City
Bismarck, ND
Highest Paying State
North Dakota
Avg Experience Level
4.2 years
How much does a Bank Examiner make at top companies?
The national average salary for a Bank Examiner in the United States is $84,001 per year or $40 per hour. Those in the bottom 10 percent make under $40,000 a year, and the top 10 percent make over $172,000.

How Would You Rate The Salary Of a Bank Examiner?

Have you worked as a Bank Examiner? Help other job seekers by rating your experience as a Bank Examiner.

Top Skills for A Bank Examiner

  1. Financial Institutions
  2. Consumer Compliance
  3. Financial Statements
You can check out examples of real life uses of top skills on resumes here:
  • Review financial institutions enterprise-wide risk management practices, risk assessments, and internal audit programs to ensure alignment with regulatory expectations.
  • Conducted examinations of financial institutions to determine level of compliance with consumer compliance deposit and lending regulations.
  • Examined financial statements and internal controls in order to determine the safety and soundness of nationally-chartered banking institutions.
  • Perform analysis of capital, securities and liquidity risk of community banking organizations.
  • Performed standard examination/audit procedures as required by federal statute to determine sound banking and business practices.

Bank Examiner Demographics

Gender

Male

55.7%

Female

35.1%

Unknown

9.2%
Ethnicity

White

63.6%

Hispanic or Latino

13.3%

Black or African American

12.1%

Asian

7.4%

Unknown

3.5%
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Foreign Languages Spoken

Spanish

52.8%

Italian

13.9%

Portuguese

11.1%

French

11.1%

Swahili

2.8%

Japanese

2.8%

Kinyarwanda

2.8%

Thai

2.8%
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Bank Examiner Education

Schools

New York University

10.6%

University of Phoenix

9.3%

Northeastern University

7.3%

Saint John's University - New York

6.6%

Texas A&M University

6.0%

University of Houston

5.3%

University of Chicago

5.3%

University of Alabama

4.6%

Pace University - New York

4.6%

Columbia University

4.6%

Texas Tech University

4.0%

Eastern Illinois University

4.0%

Cornell University

4.0%

Oklahoma State University

4.0%

Virginia Commonwealth University

3.3%

Temple University

3.3%

Webster University

3.3%

University of Washington

3.3%

University of Kentucky

3.3%

State University of New York Albany

3.3%
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Majors

Finance

30.8%

Business

29.7%

Accounting

16.3%

Economics

4.7%

Management

4.2%

Law

3.0%

Business Economics

1.4%

Marketing

1.4%

Real Estate

1.3%

Psychology

0.9%

Liberal Arts

0.9%

Legal Research And Advanced Professional Studies

0.8%

Computer Information Systems

0.7%

Education

0.7%

Project Management

0.6%

History

0.6%

Educational Leadership

0.6%

Political Science

0.5%

Human Resources Management

0.5%

Writing

0.5%
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Degrees

Bachelors

46.8%

Masters

37.6%

Other

6.9%

Doctorate

4.9%

Certificate

2.3%

Associate

0.7%

Diploma

0.5%

License

0.3%
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How Would You Rate Working As a Bank Examiner?

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