Financial Examiner IV-V: Commercial Bank Examiner

Job Summary:

We are seeking a highly skilled Financial Examiner IV-V: Commercial Bank Examiner to join our team. As a Financial Examiner IV-V: Commercial Bank Examiner, you will be responsible for examining and analyzing financial institutions to ensure compliance with regulatory requirements.

Key Responsibilities:

• Interpret and apply regulatory policies, procedures, laws, and regulations.
• Analyze areas of concern and personnel needs for upcoming examinations.
• Act as examiner-in-charge of small to large, non-problem financial institutions without supervision.
• Prepare written comments and conclusions of all CAMELS component areas when acting as the examiner-in-charge.
• Communicate examination findings to senior bank management and Board of Directors through oral presentation.
• Compile and analyze data and formulate conclusions.
• Complete assigned tasks in a thorough and timely manner.
• Attend all assigned schools and training seminars.
• Conduct, with supervision, reviews of examination reports.
• Provide supervision, training, and evaluation of other examiners.
• Conduct financial and credit analysis and loan reviews.
• Prepare written summaries of criticized or adversely classified assets.
• Monitor financial condition of non-problem financial institutions through off-site procedures, without supervision.
• May conduct credit review and analysis involving larger, more complex credit relationships.
• Select career path in trust, IT, or commercial areas and enhance skills through on-the-job training and continuing education.
• May conduct examinations of trust and IT functions, including acting as examiner-in-charge, without supervision.

Requirements:

• 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.
• Four years progressively responsible experience in the regulation, examination, and analysis of financial institutions.
• Must be a current or former (recent) bank examiner commissioned by the FDIC, Federal Reserve, OCC, Texas Department of Banking, or another approved state banking authority.

Preferred Qualifications:

• Work experience with a financial institution desired.
• 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.
• Selected applicant will be required to provide documentation of prior training completed.

Knowledge, Skills, and Abilities:

• Possess and exhibit above-average oral and written communication skills.
• Possess working knowledge in the use of personal computers, including Microsoft Word and Excel.
• Ability to maintain effective working relationships with supervisors, co-workers, team members, regulated entity employees, and the public.
• 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].