BANK EXAMINER 4

Bank Examiner

Location of (1) position(s) to be filled: Department of Financial Institutions, Madison County. A valid motor vehicle license is required for this position. This position is designed as hybrid (remote and on location). This position requires a criminal background check. Therefore, you may be required to provide information about your criminal history in order to be considered for this position.

Qualifications:

• 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 four 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 equivalent training provided by the Conference of State Bank Supervisors or Federal Reserve.
• Must demonstrate satisfactory completion of the FDIC Loan Analysis School, or equivalent training provided by the Conference of State Bank Supervisors or Federal Reserve.
• Must demonstrate satisfactory completion of the FDIC Examination Management School, or equivalent training provided by the Conference of State Bank Supervisors or Federal Reserve.
• Must possess and maintain a valid motor vehicle license.

Overview:

Under general supervision, is responsible for professional bank examination work of considerable difficulty; and performs related work as required. This is the lead class in the Bank Examiner sub-series. An employee in this class is responsible for serving as the Examiner in Charge (EIC) for a team of subordinate bank examiners in directing and conducting examinations of large, complex and/or troubled state chartered financial institutions. Work involves examining bank and other financial institution records and financial statements and preparing reports to ensure that bank operations and financial conditions adhere to the banking laws, rules and regulations of the state.

Responsibilities:

1. Lead examinations of complex, troubled, and satisfactorily rated institutions, serve as Examiner-in-Charge leading the examination team, 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-focuses examination procedures and employs a regulatory balance approach to all examination activities.
2. Make decisions and solve problems by determining initial CAMELS ratings, determining initial loan ratings, assessing and determining if the financial institutions' overall risk management policies and procedures are sufficient and effective in averting risk, and interpreting regulatory statutes, guidelines, policies, and procedures for internal and external customers to ensure that financial institutions are meeting all state and federal guidelines.
3. Analyze data or information by reviewing and analyzing loans to determine credit quality, potential risk of loss to capital. Reviews appropriateness of Allowance for Credit Losses. Examines and analyzes the capital position, earnings profile, liquidity position, sensitivity to market risk posture, other real estate portfolio, and Bank Secrecy Act / Anti-Money Laundering program.
4. Organize, plan, and prioritize work by completing examination preplanning and scoping assignments, managing and prioritizing multiple work assignments, and organizing, planning, and overseeing meetings with financial institution management/directorate and other regulatory agencies.
5. Communicate information by establishing and maintaining 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 our regulation. Engage collaboratively with federal regulators and banking industry representatives to foster a balanced and consistent regulatory framework.
6. Prepare and review written comments, analyses, and related documentation by writing comments and analyses for examination reports, scope memoranda, work papers, and other documentation to support findings, conclusions, and ratings. Reviews comments and analyses prepared by other members of the examination team to determine accuracy and relevancy.
7. Maintain relevant industry knowledge by keeping 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.
8. Travel to examination and other work sites. Travel to in-state and out-of-state locations to complete examination training.

Competencies (KSA's):

1. Communicates Effectively
2. Action Oriented
3. Manages Complexity
4. Manages Conflict
5. Courage

Knowledge:

1. Financial Accounting
2. Economic Principles
3. Financial Statements
4. Statistical Data Analysis
5. Financial Laws, Procedures & Publications

Skills:

1. Problem Solving
2. Critical Thinking
3. Financial Mathematics
4. Mentoring
5. Presentation/Public Speaking

Abilities:

1. Application of legal standard & procedure
2. Technical Writing
3. Data Entry
4. Lift up to 40 lbs
5. Sedentary Work

Tools & Equipment:

1. Laptop Computer
2. Basic Office Equipment
3. Financial Calculator
4. Microsoft Office Suite
5. Motor Vehicle

TN Driver Standards:

State of Tennessee positions that may involve driving responsibilities require candidates to meet the following minimum driver qualifications:

• A valid driver's license
• For the past five years, the candidate's driver record must not have record of the following violations: driving under the influence (DUI), reckless driving, license suspension for moving violations, more than 4 moving violations.

Please include your Driver's License Information under the Licenses and Certifications section of your application.

**Agencies may allow an exception based on other factors.