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Financial Examiners

Enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. May examine, verify, or authenticate records.

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    Work Activities

    Work Activities

    • Plan, supervise, and review work of assigned subordinates.
    • Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.
    • Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
    • Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
    • Direct and participate in formal and informal meetings with bank directors, trustees, senior management, counsels, outside accountants, and consultants to gather information and discuss findings.
    • Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
    • Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
    • Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
    • Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
    • Prepare reports, exhibits, and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions.
    • Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
    • Provide regulatory compliance training to employees.
    • Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
    • Direct and participate in formal and informal meetings with bank directors, trustees, senior management, counsels, outside accountants, and consultants to gather information and discuss findings.
    • Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
    • Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
    • Review applications for mergers, acquisitions, establishment of new institutions, acceptance in Federal Reserve System, or registration of securities sales to determine their public interest value and conformance to regulations, and recommend acceptance or rejection.
    • Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
    • Train other examiners in the financial examination process.

    Skills

    • Complex Problem Solving

      Noticing a problem and figuring out the best way to solve it.

    • Repairing

      Repairing machines or systems using the right tools.

    • Active Learning

      Figuring out how to use new ideas or things.

    • Technology Design

      Making equipment and technology useful for customers.

    • Operation and Control

      Using equipment or systems.

    • Judgment and Decision Making

      Thinking about the pros and cons of different options and picking the best one.

    • Mathematics

      Using math to solve problems.

    • Instructing

      Teaching people how to do something.

    • Systems Analysis

      Figuring out how a system should work and how changes in the future will affect it.

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Active Listening

      Listening to others, not interrupting, and asking good questions.

    • Time Management

      Managing your time and the time of other people.

    • Systems Evaluation

      Measuring how well a system is working and how to improve it.

    • Writing

      Writing things for co-workers or customers.

    • Critical Thinking

      Thinking about the pros and cons of different ways to solve a problem.

    • Operations Analysis

      Figuring out what a product or service needs to be able to do.

    • Operations Monitoring

      Watching gauges, dials, or display screens to make sure a machine is working.

    • Speaking

      Talking to others.

    • Learning Strategies

      Using the best training or teaching strategies for learning new things.

    • Coordination

      Changing what is done based on other people's actions.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Equipment Selection

      Deciding what kind of tools and equipment are needed to do a job.

    • Science

      Using scientific rules and strategies to solve problems.

    • Programming

      Writing computer programs.

    • Reading Comprehension

      Reading work-related information.

    • Service Orientation

      Looking for ways to help people.

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Troubleshooting

      Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

    • Quality Control Analysis

      Testing how well a product or service works.

    • Monitoring

      Keeping track of how well people and/or groups are doing in order to make improvements.

    • Social Perceptiveness

      Understanding people's reactions.

    • Negotiation

      Bringing people together to solve differences.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Management of Material Resources

      Managing equipment and materials.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    5

    Abilities

    • Far Vision

      Seeing details that are far away.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Speech Recognition

      Recognizing spoken words.

    • Near Vision

      Seeing details up close.

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • Auditory Attention

      Paying attention to one sound while there are other distracting sounds.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Control Precision

      Quickly changing the controls of a machine, car, truck or boat.

    • Oral Expression

      Communicating by speaking.

    • Written Expression

      Communicating by writing.

    • Deductive Reasoning

      Using rules to solve problems.

    • Category Flexibility

      Grouping things in different ways.

    • Multilimb Coordination

      Using your arms and/or legs together while sitting, standing, or lying down.

    • Response Orientation

      Quickly deciding if you should move your hand, foot, or other body part.

    • Wrist-Finger Speed

      Making fast, simple, repeated movements of your fingers, hands, and wrists.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Selective Attention

      Paying attention to something without being distracted.

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Speech Clarity

      Speaking clearly.

    • Gross Body Coordination

      Moving your arms, legs, and mid-section together while your whole body is moving.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Dynamic Flexibility

      Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

    • Depth Perception

      Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

    • Sound Localization

      Noticing the direction that a sound came from.

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Extent Flexibility

      Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Night Vision

      Seeing at night or under low light.

    • Oral Comprehension

      Listening and understanding what people say.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Originality

      Creating new and original ideas.

    • Problem Sensitivity

      Noticing when problems happen.

    • Inductive Reasoning

      Making general rules or coming up with answers from lots of detailed information.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Rate Control

      Changing when and how fast you move based on how something else is moving.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Spatial Orientation

      Knowing where things are around you.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Written Comprehension

      Reading and understanding what is written.

    • Trunk Strength

      Using your lower back and stomach.

    • Glare Sensitivity

      Seeing something even if there is a glare or very bright light.

    • Information Ordering

      Ordering or arranging things.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Reaction Time

      Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

    • Perceptual Speed

      Quickly comparing groups of letters, numbers, pictures, or other things.

    • Visualization

      Imagining how something will look after it is moved around or changed.

    • Time Sharing

      Doing two or more things at the same time.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    Knowledge

    • Communications and Media

      Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

    • Transportation

      Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

    • Production and Processing

      Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

    • Engineering and Technology

      Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

    • English Language

      Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

    • Foreign Language

      Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

    • History and Archeology

      Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

    • Public Safety and Security

      Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

    • Administrative

      Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

    • Economics and Accounting

      Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

    • Sales and Marketing

      Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

    • Personnel and Human Resources

      Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

    • Design

      Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

    • Mechanical

      Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

    • Biology

      Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

    • Therapy and Counseling

      Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

    • Chemistry

      Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

    • Geography

      Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

    • Mathematics

      Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

    • Sociology and Anthropology

      Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

    • Food Production

      Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

    • Education and Training

      Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

    • Law and Government

      Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

    • Medicine and Dentistry

      Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

    • Administration and Management

      Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

    • Building and Construction

      Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

    • Physics

      Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

    • Customer and Personal Service

      Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

    • Computers and Electronics

      Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

    • Fine Arts

      Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

    • Philosophy and Theology

      Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

    • Telecommunications

      Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

    • Psychology

      Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 63790/yr
    • Typical Salary
    • Ohio Hourly Wage 30.67/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 4,480
    • Yearly Projected Openings 370

    Typical Education

    Personality

    Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
    • Analytical Thinking
    • Integrity
    • Attention to Detail
    • Cooperation
    • Dependability
    • Self Control

    Tools

    • Desktop calculator
    • Desktop computers
    • Notebook computers
    • Personal computers

    Technology

    • Cloud-based data access and sharing software
    • Compliance software
    • Data base user interface and query software
    • Electronic mail software
    • Enterprise resource planning ERP software
    • Financial analysis software
    • Information retrieval or search software
    • Internet browser software
    • Office suite software
    • Operating system software
    • Presentation software
    • Process mapping and design software
    • Project management software
    • Spreadsheet software
    • Word processing software

    Tags

    • InDemand occupations are considered a priority by the state of Ohio.

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