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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

    • Resolve problems concerning the overall financial integrity of banking institutions including loan investment portfolios, capital, earnings, and specific or large troubled accounts.
    • 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.
    • 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.
    • 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.
    • Train other examiners in the financial examination process.
    • 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.
    • Review and analyze new, proposed, or revised laws, regulations, policies, and procedures to interpret their meaning and determine their impact.
    • 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.
    • Evaluate data processing applications for institutions under examination to develop recommendations for coordinating existing systems with examination procedures.
    • Plan, supervise, and review work of assigned subordinates.
    • 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.
    • Review audit reports of internal and external auditors to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines.
    • Provide regulatory compliance training to employees.

    Skills

    • Operations Analysis

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

    • Technology Design

      Making equipment and technology useful for customers.

    • Management of Material Resources

      Managing equipment and materials.

    • Repairing

      Repairing machines or systems using the right tools.

    • Judgment and Decision Making

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

    • Writing

      Writing things for co-workers or customers.

    • Speaking

      Talking to others.

    • Mathematics

      Using math to solve problems.

    • Learning Strategies

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

    • Active Learning

      Figuring out how to use new ideas or things.

    • Coordination

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

    • Negotiation

      Bringing people together to solve differences.

    • Instructing

      Teaching people how to do something.

    • Systems Evaluation

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

    • Time Management

      Managing your time and the time of other people.

    • Management of Personnel Resources

      Selecting and managing the best workers for a job.

    • Equipment Selection

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

    • Programming

      Writing computer programs.

    • Operations Monitoring

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

    • 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.

    • Systems Analysis

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

    • Reading Comprehension

      Reading work-related information.

    • Critical Thinking

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

    • Installation

      Installing equipment, machines, wiring, or computer programs.

    • Operation and Control

      Using equipment or systems.

    • Equipment Maintenance

      Planning and doing the basic maintenance on equipment.

    • Persuasion

      Talking people into changing their minds or their behavior.

    • Service Orientation

      Looking for ways to help people.

    • Complex Problem Solving

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

    • Management of Financial Resources

      Making spending decisions and keeping track of what is spent.

    • Social Perceptiveness

      Understanding people's reactions.

    • Active Listening

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

    • Monitoring

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

    • Science

      Using scientific rules and strategies to solve problems.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    5

    Abilities

    • Arm-Hand Steadiness

      Keeping your arm or hand steady.

    • Written Comprehension

      Reading and understanding what is written.

    • Control Precision

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

    • 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.

    • Problem Sensitivity

      Noticing when problems happen.

    • Static Strength

      Lifting, pushing, pulling, or carrying.

    • Dynamic Strength

      Exercising for a long time without your muscles getting tired.

    • Extent Flexibility

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

    • Near Vision

      Seeing details up close.

    • Glare Sensitivity

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

    • Sound Localization

      Noticing the direction that a sound came from.

    • Speech Clarity

      Speaking clearly.

    • Auditory Attention

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

    • Reaction Time

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

    • Rate Control

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

    • Wrist-Finger Speed

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

    • Explosive Strength

      Jumping, sprinting, or throwing something.

    • Trunk Strength

      Using your lower back and stomach.

    • 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.

    • Deductive Reasoning

      Using rules to solve problems.

    • Inductive Reasoning

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

    • Information Ordering

      Ordering or arranging things.

    • Memorization

      Remembering words, numbers, pictures, or steps.

    • Speed of Limb Movement

      Quickly moving your arms and legs.

    • Stamina

      Exercising for a long time without getting out of breath.

    • Visual Color Discrimination

      Noticing the difference between colors, including shades and brightness.

    • Speech Recognition

      Recognizing spoken words.

    • Oral Comprehension

      Listening and understanding what people say.

    • Manual Dexterity

      Holding or moving items with your hands.

    • Originality

      Creating new and original ideas.

    • Gross Body Coordination

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

    • Peripheral Vision

      Seeing something to your side when your are looking ahead.

    • 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.

    • Finger Dexterity

      Putting together small parts with your fingers.

    • Written Expression

      Communicating by writing.

    • Fluency of Ideas

      Coming up with lots of ideas.

    • Gross Body Equilibrium

      Keeping your balance or staying upright.

    • Night Vision

      Seeing at night or under low light.

    • Hearing Sensitivity

      Telling the difference between sounds.

    • Category Flexibility

      Grouping things in different ways.

    • Mathematical Reasoning

      Choosing the right type of math to solve a problem.

    • Number Facility

      Adding, subtracting, multiplying, or dividing.

    • Speed of Closure

      Quickly knowing what you are looking at.

    • Flexibility of Closure

      Seeing hidden patterns.

    • Spatial Orientation

      Knowing where things are around you.

    • Selective Attention

      Paying attention to something without being distracted.

    • Oral Expression

      Communicating by speaking.

    • Far Vision

      Seeing details that are far away.

    Knowledge

    • Fine Arts

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

    • 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.

    • Biology

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

    • Telecommunications

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

    • Economics and Accounting

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

    • 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.

    • 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.

    • Mathematics

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

    • 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.

    • 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.

    • Transportation

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

    • Computers and Electronics

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

    • 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.

    • 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.

    • 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.

    • 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.

    • Design

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

    • Production and Processing

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

    • 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.

    • 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.

    • English Language

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

    • 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.

    • 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.

    • Food Production

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

    • 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.

    • Mechanical

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

    • 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.

    • 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.

    • Sociology and Anthropology

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

    • 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.

    • History and Archeology

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

    • 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.

    • Law and Government

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

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 76230/yr
    • Typical Salary
    • Ohio Hourly Wage 36.65/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 4,480
    • Yearly Projected Openings 370

    Typical Education

    Personality

    Enterprising: People interested in this work like activities that include leading, making decisions, and business.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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