DOB - Financial Examiner V: Credit Review Specialist; San Antonio

Position: DOB - Financial Examiner V: Credit Review Specialist (San Antonio)
Job Description

Working Title:

Financial Examiner V:
Credit Review Specialist

Classification:

Financial Examiner V

Class No. / Sal Grp:

U1108 / EE00

Monthly Salary:

$7,607.00 - $9,509.00

(Salary Commensurate with Experience)

FLSA Status:

Exempt

Location:

San Antonio

Overnight Travel:

Extensive Travel - At least 50%

Mission:

The mission of the Texas Department of Banking is to ensure Texas has a safe, sound, and competitive financial services system.

General Description:

This is a non-commissioned examiner position. Performs medium to advanced examination work in credit risk measurement and risk management practices for a diversified portfolio of moderately complex borrowing relationships. The position involves conducting credit reviews during onsite examinations, analyzing internal reports, conducting discussions with bank management, reviewing industry information, and researching risk topics affecting the financial services industry. Reports to the Regional Director.

Works under limited supervision with considerable latitude for the use of initiative and independent judgment.

Job Duties:

• Plans and completes credit risk related examination events.

• Develop report ready comments and submit them to the Examiner-in-Charge.

• Ensures proper application of departmental policies and procedures, as well as state and federal regulations.

• Performs ongoing review of credit related bank reporting.

• May have supervisory responsibility for staff assisting in credit review.

• Represents the Department of Banking at Board meetings or management meetings.

• Works extensively with the federal regulator to ensure that examination activities are conducted in a well-coordinated manner.

• May participate in the Department's activities in Shared National Credit review and functions as a voting member.

• Assists the Examiner-in-Charge as needed.

• Other duties as assigned.

Qualifications:

Minimum Qualification:

• Graduation from an accredited four-year college or university with major course work in finance, accounting, business administration, economics, or job-related field with a minimum of six hours, nine preferred, in accounting to include basic and/or intermediate accounting.

o A graduate degree in finance, accounting, business administration, economics, or job-related field may substitute for an undergraduate degree that is not business related.

• Six years of credit review experience with a bank regulatory agency, credit review firm, financial institution or with an asset management resolution firm, or ten years commercial lending experience as a senior officer with a depository institution.

Copy of official college transcripts must be submitted with The State of Texas Application for Employment.

Preferred Qualifications:

• Work experience with a financial institution desired.

• Completion of graduate banking school.

• Bilingual in Spanish and English with the ability to communicate well, both verbally and in writing.

Special Requirements:

• Position requires at least 50 % overnight travel.

• Must possess or obtain within 90 days a valid Texas driver's license. Satisfactory driving records are required for driving any vehicle to conduct agency business. Final applicants must certify that personally owned vehicles used for agency business have Texas minimum liability coverage and a valid state inspection.

• This position requires that the incumbent demonstrate strong personal financial responsibility and integrity.

• Final applicants may be subject to an employment credit check, driving record check, and criminal background check.

• Applicants selected for an interview may be asked to complete a work style profile.

• State law prohibits any employee of the Department from being or becoming "directly or indirectly indebted to or financially interested in an entity supervised or regulated by the Banking Commissioner." See Texas Finance Code, Section 12.107.

• For any previous regulatory or industry experience, the applicant selected may be required to provide a training profile reflecting courses attended with previous employers

Knowledge, Skills, and Abilities:

• Possess and exhibit excellent oral and written communication skills.

• Possess working…