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Financial Examiners

It's a bright outlook for

This career will grow rapidly in the next few years.

Learn more about what they do.

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.

Related: Accountants & Auditors Compliance Managers Credit Analysts Fraud Examiners, Investigators & Analysts Treasurers & Controllers

Industries: Finance & Insurance Government

Summary
Details

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.
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.
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.
Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
Examine the minutes of meetings of directors, stockholders, and committees to investigate the specific authority extended at various levels of management.
Provide regulatory compliance training to employees.
Confer with officials of real estate, securities, or financial institution industries to exchange views and discuss issues or pending cases.
Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions.
Investigate activities of institutions to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency.
Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.
Train other examiners in the financial examination process.
Verify and inspect cash reserves, assigned collateral, and bank-owned securities to check internal control procedures.
Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
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 and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
Review balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities.
Plan, supervise, and review work of assigned subordinates.

Science
- Using scientific rules and strategies to solve problems.
Repairing
- Repairing machines or systems using the right tools.
Equipment Maintenance
- Planning and doing the basic maintenance on equipment.
Equipment Selection
- Deciding what kind of tools and equipment are needed to do a job.
Persuasion
- Talking people into changing their minds or their behavior.
Management of Material Resources
- Managing equipment and materials.
Management of Personnel Resources
- Selecting and managing the best workers for a job.
Instructing
- Teaching people how to do something.
Reading Comprehension
- Reading work-related information.
Writing
- Writing things for co-workers or customers.
Operation and Control
- Using equipment or systems.
Social Perceptiveness
- Understanding people's reactions.
Judgment and Decision Making
- Thinking about the pros and cons of different options and picking the best one.
Time Management
- Managing your time and the time of other people.
Active Listening
- Listening to others, not interrupting, and asking good questions.
Programming
- Writing computer programs.
Quality Control Analysis
- Testing how well a product or service works.
Service Orientation
- Looking for ways to help people.
Monitoring
- Keeping track of how well people and/or groups are doing in order to make improvements.
Speaking
- Talking to others.
Installation
- Installing equipment, machines, wiring, or computer programs.
Troubleshooting
- Figuring out what is causing equipment, machines, wiring, or computer programs to not work.
Systems Analysis
- Figuring out how a system should work and how changes in the future will affect it.
Technology Design
- Making equipment and technology useful for customers.
Complex Problem Solving
- Noticing a problem and figuring out the best way to solve it.
Negotiation
- Bringing people together to solve differences.
Operations Analysis
- Figuring out what a product or service needs to be able to do.
Mathematics
- Using math to solve problems.
Learning Strategies
- Using the best training or teaching strategies for learning new things.
Critical Thinking
- Thinking about the pros and cons of different ways to solve a problem.
Active Learning
- Figuring out how to use new ideas or things.
Coordination
- Changing what is done based on other people's actions.
Operations Monitoring
- Watching gauges, dials, or display screens to make sure a machine is working.
Management of Financial Resources
- Making spending decisions and keeping track of what is spent.
Systems Evaluation
- Measuring how well a system is working and how to improve it.

Oral Expression
- Communicating by speaking.
Manual Dexterity
- Holding or moving items with your hands.
Glare Sensitivity
- Seeing something even if there is a glare or very bright light.
Perceptual Speed
- Quickly comparing groups of letters, numbers, pictures, or other things.
Static Strength
- Lifting, pushing, pulling, or carrying.
Category Flexibility
- Grouping things in different ways.
Gross Body Equilibrium
- Keeping your balance or staying upright.
Fluency of Ideas
- Coming up with lots of ideas.
Oral Comprehension
- Listening and understanding what people say.
Selective Attention
- Paying attention to something without being distracted.
Gross Body Coordination
- Moving your arms, legs, and mid-section together while your whole body is moving.
Written Expression
- Communicating by writing.
Wrist-Finger Speed
- Making fast, simple, repeated movements of your fingers, hands, and wrists.
Visual Color Discrimination
- Noticing the difference between colors, including shades and brightness.
Originality
- Creating new and original ideas.
Trunk Strength
- Using your lower back and stomach.
Speed of Limb Movement
- Quickly moving your arms and legs.
Dynamic Strength
- Exercising for a long time without your muscles getting tired.
Memorization
- Remembering words, numbers, pictures, or steps.
Deductive Reasoning
- Using rules to solve problems.
Visualization
- Imagining how something will look after it is moved around or changed.
Rate Control
- Changing when and how fast you move based on how something else is moving.
Night Vision
- Seeing at night or under low light.
Dynamic Flexibility
- Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.
Stamina
- Exercising for a long time without getting out of breath.
Written Comprehension
- Reading and understanding what is written.
Reaction Time
- Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.
Hearing Sensitivity
- Telling the difference between sounds.
Response Orientation
- Quickly deciding if you should move your hand, foot, or other body part.
Extent Flexibility
- Bending, stretching, twisting, or reaching with your body, arms, and/or legs.
Inductive Reasoning
- Making general rules or coming up with answers from lots of detailed information.
Spatial Orientation
- Knowing where things are around you.
Multilimb Coordination
- Using your arms and/or legs together while sitting, standing, or lying down.
Near Vision
- Seeing details up close.
Mathematical Reasoning
- Choosing the right type of math to solve a problem.
Speech Clarity
- Speaking clearly.
Far Vision
- Seeing details that are far away.
Information Ordering
- Ordering or arranging things.
Flexibility of Closure
- Seeing hidden patterns.
Arm-Hand Steadiness
- Keeping your arm or hand steady.
Explosive Strength
- Jumping, sprinting, or throwing something.
Number Facility
- Adding, subtracting, multiplying, or dividing.
Time Sharing
- Doing two or more things at the same time.
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.
Problem Sensitivity
- Noticing when problems happen.
Finger Dexterity
- Putting together small parts with your fingers.
Speech Recognition
- Recognizing spoken words.
Auditory Attention
- Paying attention to one sound while there are other distracting sounds.
Speed of Closure
- Quickly knowing what you are looking at.
Control Precision
- Quickly changing the controls of a machine, car, truck or boat.
Peripheral Vision
- Seeing something to your side when your are looking ahead.

Production and Processing
- Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
Sociology and Anthropology
- Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
Transportation
- Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
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.
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.
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.
Mechanical
- Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
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.
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.
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.
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.
Telecommunications
- Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
Design
- Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
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.
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.
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.
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.
English Language
- Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
History and Archeology
- Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
Law and Government
- Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Food Production
- Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
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.
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.
Mathematics
- Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
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.
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.
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.
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.
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.
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.
Biology
- Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

Education

Bachelor's degree

Work Experience

No work experience

Training

More than 1 year on-the-job training

Education and Training Opportunities

Washington Annual Salary

110340/yr

Washington Hourly Wage

53.05/hr

Currently Employed

720

Yearly Projected Openings

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

Desktop calculator
Desktop computers
Notebook computers
Personal computers

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

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