Financial Examiner V - Thrift Examinations

Yesterday

🤠 Texas – Remote

Although this job is listed in Texas, this company may be open to hiring remote in other states.

⏰ Full Time

🟡 Mid-level

🟠 Senior

💸 Financial Planning and Analysis

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State of Texas

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State of Texas is the official governing body of Texas, providing a comprehensive online platform for residents, businesses, and government services through its Texas. gov website. This platform serves as a gateway to essential resources, information, and services, including vehicle registration, business support, health services, and cultural exploration in the state. The State of Texas aims to enhance access to government functions and improve the quality of life for its citizens by connecting them to a variety of local resources and support programs.

10,000+ employees

🏛️ Government

🛍️ eCommerce

🌍 Social Impact

📋 Description

• Performs highly complex (senior level) financial examination work. • Work involves primarily reviewing and classifying loans with regard to a risk management examination to determine their financial condition, level of internal control, and compliance with statutory requirements. • Communicates with the examiner-in-charge and/or bank management. • May supervise the work of others. • Works under limited supervision with considerable latitude for the use of initiative and independent judgment. • Conducts independent review and classification of loans during a Risk Management Examination/Visitation. • Examines records to evaluate underwriting and credit administration practices (i.e., terms and structure loans, including length, interest rate, conveyances and pay terms) on loans to determine if loans are made within the bank’s policy and in compliance with governing laws and regulations. • Reviews unusual or complex loan files. • Reviews compliance with legal lending limits and identifies concentrations of credit. • Analyzes financial information, file documentation, and prepares questions for bank management regarding the credit reviewed. • Assesses the reasonableness of the Allowance for Credit Losses. • Prepares documentation and work papers to support findings. • Analyzes issues, discusses findings with the examiner supervising the loan review and/or the Examiner-in-charge. • Makes recommendations to Examiner-in-Charge and/or Supervisory staff regarding loan portfolio deficiencies. • May supervise the work of others. • Performs related work as assigned. • Other related tasks as assigned.

🎯 Requirements

• Five years of significant experience in loan review, credit analysis, or credit administration. • Extensive knowledge of financial institution fundamentals in both state and federal regulatory environment. • Work experience in a financial institution is desirable. • Specialized knowledge or designations in real estate appraisal also a plus. • Graduation from an accredited four-year college or university with major course work in business, finance, economics, or accounting, with a minimum of six hours in accounting required. • Must possess a valid Texas driver’s license and be willing to travel up to 70% of the time. • Certified Public Accountant, Certified Internal Auditor, or Commissioned Bank Examiner Designation a plus.