Examines internally prepared statements and supplemental schedules to ensure the financial institution is earning appropriate return on its assets and capital and to verify the safety and soundness of the financial institution. Evaluates operational procedures to ensure proper internal controls and segregation of duties, and ensures bank is adhering to existing Generally Accepted Accounting Principles, Regulatory Accounting Procedures, and agency, state, and federal rules, regulations, and laws. Assists agency in establishing guidelines for procedures and policies that comply with new and revised regulations and oversees implementation. Analyzes the financial institution’s liquidity and capital position and determines if the bank has adequate liquid funds to meet deposit withdrawals, operating needs, and consumer loan demand. Calculates various financial ratios pertaining to the financial institution’s capital, assets, equity, and liquidity, and evaluates management of effectiveness and control to classify risk factors and assign regulatory ratings. Serves as examiner in charge of any financial institution, and analyzes loans, loan collateral, lending policies, dividends, and fixed asset requests of the institution. Develops a written assessment of the overall condition of an institution for regulators and the bank’s management to utilize as an analytical tool. Prepares investigative reports for various applications filed by banks and processes and analyzes individual self examination reports for all banks for monthly trends and comparative purposes. Responds to inquiry requests from consumers, bankers, and other examiners, regarding regulatory interpretation and general banking issues. Performs other duties as assigned.