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The Certified Bank Senior Examiner is responsible for serving as Examiner-in-Charge of complex bank examinations, reviewing bank examination reports, and performing upper level management

Class Code:


Job Grade:


Special Job Requirements:

Extensive overnight travel on a frequent basis and attendance of senior and management schools conducted by the Education Foundation of State Bank Supervisors and other regulatory agencies are required.

Typical Functions:

Examines internally prepared statements and supplemental schedules to ensure the financial institution is earning appropriate return on its assets and capital to verify the safety and soundness of the financial institution. Analyzes the financial institution’s liquidity and capital position to determine whether the bank has adequate liquid funds to meet deposit withdrawals, operating needs and loan demand. Evaluates operational procedures to ensure proper internal controls, ensures bank is adhering to existing Generally Accepted Accounting Principles, Regulatory Accounting Procedures, agency, state, and federal rules, regulations, and laws. Calculates various financial ratios pertaining to the financial institution’s capital, assets, equity and liquidity and evaluates management of effectiveness and control in order to classify risk factors and assign regulatory ratings. Reviews previous reports and bank statements and talks to bank management and employees to become familiar with bank’s daily operations in preparation for the examination. Analyzes loan policy and loan portfolio to determine loan quality, risk, adequacy of documentation, and compliance with applicable laws and regulations. Develops detailed and thorough written assessment of overall condition of a financial institution to be utilized by regulators and bank management as an analytical tool. Assists in establishing guidelines for procedures and policies that comply with new and revised regulations, and direct their implementation. Performs other duties as assigned.

Knowledge, Abilities, and Skills:

Knowledge of the principles of finance and banking. Knowledge of the laws, rules, and regulations governing banking practices. Knowledge of the organization, management structure, and operations of banks. Knowledge of the operation of personal computers and the functions of the software used. Ability to perform mathematical calculations. Ability to analyze financial data and identify discrepancies. Ability to interpret and apply laws, rules, and regulations as they pertain to the banking industry. Ability to communicate specialized technical information both orally and in written form.

Minimum Qualifications:

The formal education equivalent of a bachelor’s degree in accounting, finance and banking, or a related field; plus seven years of experience as a bank examiner, including two years as a Commissioned Senior Examiner. Additional requirements determined by the agency for recruiting purposes require review and approval by the Office of Personnel Management. OTHER JOB RELATED EDUCATION AND/OR EXPERIENCE MAY BE SUBSTITUTED FOR ALL OR PART OF THESE BASIC REQUIREMENTS, EXCEPT FOR CERTIFICATION OR LICENSURE REQUIREMENTS, UPON APPROVAL OF THE QUALIFICATIONS REVIEW COMMITTEE.

Required Certificates:

Certified as a Senior Bank Examiner by the Education Foundation of State Bank Supervisors.


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