Financial Examiner V: Credit Review Specialist

Working Title: Financial Examiner V: Credit Review Specialist

State Classification: Financial Examiner V

Class No:

Salary Group: U1108 / EE00

Monthly Salary: $8, $9,508.25

(Salary Commensurate with Experience)

Location: Dallas, Houston, Lubbock, San Antonio

FLSA Status: Exempt

Overnight Travel: Extensive Travel - At least 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:

This is a non-commissioned examiner position. Performs medium to advanced examination work in credit risk measurement and risk management practices for a diversified portfolio of moderately complex borrowing relationships.

The position involves conducting credit reviews during onsite examinations, analyzing internal reports, conducting discussions with bank management, reviewing industry information, and researching risk topics affecting the financial services industry.

Reports to the Regional Director. Works under limited supervision with considerable latitude for the use of initiative and independent judgment.

Job Duties:

• Plans and completes credit risk related examination events.
• Develops report-ready comments and submits them to the Examiner-in-Charge.
• Ensures proper application of departmental policies and procedures, as well as state and federal regulations.
• Performs ongoing review of credit-related bank reporting.
• May have supervisory responsibility for staff assisting in credit review.
• Represents the Department of Banking at Board meetings or management meetings.
• Works extensively with the federal regulator to ensure that examination activities are conducted in a well-coordinated manner.
• May participate in the Department's activities in Shared National Credit review and functions as a voting member.
• Assists the Examiner-in-Charge as needed.
• Other duties as assigned.

Qualifications:

• Graduation from an accredited four-year college or university with major coursework in finance, accounting, business administration, economics, or job-related field with a minimum of six hours, nine preferred, in accounting to include basic and/or intermediate accounting.

A graduate degree in finance, accounting, business administration, economics, or job-related field may substitute for an undergraduate degree that is not business related.

• Six years of credit review experience with a bank regulatory agency, credit review firm, financial institution, or with an asset management resolution firm, or ten years commercial lending experience as a senior officer with a depository institution.

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.
• Completion of graduate banking school.
• Bilingual in Spanish and English with the ability to communicate well, both verbally and in writing.

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 are 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.
• This position requires that the incumbent demonstrate strong personal financial responsibility and integrity.
• Final applicants may be subject to an employment credit check, driving record check, and criminal background check.
• Applicants selected for an interview may be asked to complete a work style profile.

Knowledge, Skills, and Abilities:

• Possess and exhibit excellent oral and written communication skills.
• Possess working knowledge in the use of personal computers, including Microsoft Word and Excel.
• Expertise knowledge in credit risk measurement and risk management practices.
• Knowledge of statutory requirements, business operating procedures, and reporting techniques.
• Ability to serve, without supervision, as EIC of small or large, non-complex or complex, and non-problem or problem institutions.
• Skill in reviewing and auditing financial data and records.
• Ability to be self-motivated and exercise initiative and independent judgment.
• Ability to maintain confidentiality and handle sensitive information.

Physical Requirements and/or Working Conditions:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position requires the incumbent to primarily perform sedentary office work; however, mobility (standing and walking) is routinely required to carry out some duties.

It requires extensive computer, copiers, printers, telephone, and client/customer contact.

The job also requires normal cognitive abilities requiring the ability to learn, recall, and apply certain practices and policies.

It requires the stamina to maintain attention to detail despite interruptions.

Marginal or corrected visual, speech, and auditory requirements are required for reading printed materials and computer screens and communicating with internal and external customers.

This position requires:

• Regular and punctual attendance.
• Frequent use of personal computer, copiers, printers, and telephones.
• Frequent sitting.
• Frequent work under stress, as a team member, and in direct contact with others.
• Position requires at least 50% overnight travel.

How to Apply:

To submit your application for employment, select Apply Online. Create and/or Login to your online applicant profile and electronically submit your State of Texas Application for Employment.

All applications must contain complete job histories, which includes job title, dates of employment, name of employer, supervisor's name, and phone number and a description of duties performed.

If this information is not submitted, your application may be rejected because it is incomplete.

Resumes do not take the place of this required information.

Applications Submitted through Work in Texas:

Applicants may submit applications through Work in Texas (WIT), however applicants must complete the supplemental questions in CAPPS Recruit to be considered for the position.

In order to complete the supplemental questions, please register and/or login to CAPPS Recruit and access your profile.

Go to CAPPS Recruit to Sign In:

Transcripts:

If education is used to meet the minimum requirements of the job posting, a copy of college transcript(s) issued from the registrar must be uploaded in CAPPS for your application to be considered complete.

Foreign education credentials must be evaluated by a NACES or AICE member credential evaluation service.

Please contact [redacted] immediately if you are having difficulty uploading transcripts to your application.

Military Crosswalk:

Remarks:

State law prohibits any employee of the Department from being or becoming directly or indirectly indebted to, or financially interested in an entity supervised or regulated by the Banking Commissioner.

See Texas Finance Code, Section

Those selected for an interview will be contacted by telephone.

Final male applicants between the ages of 18 to 26 will be required to furnish proof of registration or exemption from registration with the selective service system.

E-Verify:

This organization participates in E-Verify.

This employer will provide the Social Security Administration (SSA) and, if necessary, the Department of Homeland Security (DHS), with information from each new employee's Form I-9 to confirm work authorization.

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 the provision of services.

A disabled individual requiring reasonable accommodation shall not be denied opportunity due to the disability.

The applicant should contact Human Resources if reasonable accommodation is required during the application process at [redacted].