05/01/2013 03203

SENIOR DEPOSITORY FINANCIAL INSTITUTIONS EXAMINER

DEFINITION: This is advanced professional or supervisory work in the planning, directing, analysis and administration of examinations of depository financial institutions or trust companies regulated by the Department of Banking and Securities for compliance with laws, regulations and sound management practices.

An employee in this job serves as Examiner-in-Charge or supervisor of depository financial institution or trust company examinations through directing the work of lower-level examiners with responsibility for the completion of all analyses, reports, ratings and recommendations resulting from an examination. As the Examiner-in-Charge, an employee serves in an administrative and technical oversight role during examinations with responsibility for all aspects of managing and directing an examination, including planning, scheduling and scoping the examination. Work includes assigning portions of the examination to lower-level examiners, reviewing completed reports and recommendations resulting from the examination, providing direction to examination team members on problem issues, preparing the comprehensive examination report, serving as the Department’s primary liaison to institutional management during the examination and
presenting findings to financial institution management and directors. Work also includes applying and ensuring the appropriate implementation of Department policies and initiatives to the examination process and designing examination procedures based on the unique factors of each financial institution. An employee in this job may perform complex specialized work, including the examination of financial institution information systems or monitoring the Department’s internal
examination control functions. Work involves functioning with considerable independence under the general direction of an administrative supervisor, who reviews work through conferences and written reports.

EXAMPLES OF WORK: Serves as Examiner-in-Charge of depository financial institution examinations.

Directs or leads a group of examiners in the conduct of examinations through planning, organizing, scheduling, assigning and reviewing work. Completes examination performance reviews for all lower-level employees participating on examinations as the designated Examiner-in-Charge.

Analyzes institutional records, including the charter and bylaws and operations to determine compliance with the provisions of state and federal laws and regulations.

Discusses irregularities and violations discovered in the examination with financial institution management.

Interprets and provides direction to lower-level examiners on rules, regulations, policies, standards, objectives, contractual and administrative rights, and obligations of the examination program.

Prepares the Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity (C.A.M.E.L.S.) rating for commercial banks; Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity (C.A.M.E.L.) rating for credit unions; Management, Operations, Internal Controls and Audit, Earnings, Compliance, and Asset Management (M.O.E.C.A.) rating for trust departments and companies; Audit, Management, Development and Acquisition, and Support and Delivery (A.M.D.S.) rating for information technology departments; or other appropriate ratings of institutions.

Incorporates ratings into a comprehensive report based on the findings of the assigned examiners.

Conducts examinations of financial institutional information systems.

Conducts visitations for de novo institutions, special visitation for problem institutions, examinations for charter conversions and other complex examinations.

Performs quality assurance reviews and presents findings to agency management and examination staff.

Travels to financial institutions and required training sites located in areas both within and outside of the state.

Conducts on-the-job training for lower-level examiners.

Performs the full range of supervisory duties.

An employee in this job may participate in the performance of subordinates’ work consistent with operational or organizational requirements.

Performs related work as required.

REQUIRED KNOWLEDGES, SKILLS, AND ABILITIES: Knowledge of the laws, rules and regulations governing the operation of depository financial institutions.

Knowledge of accounting principles.

Knowledge of auditing techniques and standards.

Knowledge of computerized accounting processes.

Knowledge of the operations of depository financial institutions.

Knowledge of the components of the depository examination process.

Knowledge of financial data analysis techniques and principles.

Knowledge of the use and functionality of standard software application programs, such as word processing, spreadsheet, e-mail and database.

Ability to perform and interpret mathematical calculations and expressions.

Ability to communicate effectively orally.

Ability to communicate effectively in writing.

Ability to analyze and interpret written materials.

Ability to establish and maintain effective working relationships.

MINIMUM EXPERIENCE AND TRAINING: Two years as a Depository Financial Institutions Examiner 2;

                                                                                                                             or

Four years of professional experience in examining depository financial institution or trust company records and operations for conformance to laws, rules and regulations and a bachelor's degree with a major in finance, accounting, economics or information technology, including or supplemented by nine credits in accounting;

                                                                                                                            or

Four years of professional internal auditing experience in a depository financial institution or trust company and a bachelor's degree with a major in finance, accounting, economics or information technology, including or supplemented by nine credits in accounting;

                                                                                                                          or

Four years of professional operating experience in a depository financial institution or trust company with experience in any of the following areas: lending, audit, risk management, transactions processing, trust department, branch management, compliance, finance/accounting, information technology systems or capital markets/treasury; and a bachelor’s degree with a major in finance, accounting, economics or information technology, including or supplemented by nine credits in accounting;

                                                                                                                        or

An equivalent combination of experience and training which includes nine college credits in accounting.