LOAN EXAMINER 1*-05072024-57786

Job Information

LOCATION OF (3) POSITION(S) TO BE FILLED: TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONS, DAVIDSON COUNTY, KNOX COUNTY

This position requires fingerprinting and a background check prior to hire.

Qualifications

Education and Experience: Bachelor's degree from an accredited college or university with a major in Finance, Accounting, Economics, Business Administration, or other related business degree with a minimum of nine (9) semester hours of accounting and/or finance.

Applicants for this class: Must possess a valid motor vehicle operator's license.

Examination Method: Education and Experience,100%, for Preferred Service positions. For Executive Service positions, Minimum Qualifications, Necessary Special Qualifications, and Examination Method are determined by the appointing authority.

Summary

Summary: Under immediate supervision, is responsible for professional bank examination work of routine difficulty, attends required schools and performs related work as required.

Distinguishing Features: This is the entry level class to the Loan Examiner series. An employee in this class functions in a training capacity in learning to review and analyze the financial statements and operations of state chartered non-depository financial institutions licensed to operate in Tennessee. This class flexes to and differs from the Loan Examiner 2* in that an incumbent in the latter functions at the working level.

*An applicant appointed to this class will be reclassified to Loan Examiner 2* after successful completion of a one-year training period; inadequate or marginal performance during the training period will result in automatic demotion or termination.

Responsibilities

Monitor Processes, Materials or Surroundings:

• Learns to examine financial records of institutions to ensure compliance with practices and adherence to pertinent state and federal laws, rules, and regulations.
• Learns to examine institution's financials to ensure compliance with net worth requirements.
• Learns to monitor institution's business processes to ensure interactions are within federal and state laws, rules, and regulations.
• Learns to conduct samplings of disbursement items and accounts maintained during the period of examination in order to determine statutory compliance.

Judging the Qualities of Things, Services, or People:

• Learns to judge the adequacy of an institution's policies in compliance with state and federal rules, laws, policies and guidelines.

Evaluating Information to Determine Compliance with Standards:

• Learns to ensure that the institution is meeting all state and federal regulatory guidelines by reviewing policies, procedures, practices, processes and financial records.

Updating and Using Relevant Knowledge:

• Continually maintain up-to-date knowledge of regulatory processes, statutes, policies, procedures, regulations, and industry knowledge to effectively regulate the institutions and to serve as an information resource to internal and external customers.
• Actively participate in all training to learn all facets of the examination process in order to perform no depository examinations.

Communicating with Persons Outside Organization:

• Learns to maintain a professional demeanor with non depository financial institution personnel in institutions we regulate.

Getting Information:

• Learns to obtain pre examination materials to ensure proper scope of examination.
• Learns to obtain all policies and procedures to ensure that they conform to regulatory standards and management's compliance with internal policies.
• Learns to obtain required logs, identify a sample, and request appropriate files and documents from institution management.
• Learns to gather information and completes examination data sheet as part of the risk-focus program.

Processing Information:

• Learns to calculate company specific worksheets to ensure compliance with state and federal laws, regulations, and guidelines. Learns to construct exam specific spreadsheets to ensure clarity of exam findings to institutions.
• Learns to reconcile customer transaction histories to ensure compliance with state and federal laws, regulations, and guidelines.

Analyzing Data or Information:

• Builds on the examination knowledge base and learns to examine institutions to determine the institutions compliance with state and federal laws, regulations, and guidelines.
• Learns to analyze worksheets and calculation results to ensure compliance with state and federal laws, regulations, and guidelines.
• Learns to analyze company operations in order to determine if all required steps have been implemented in the processing of transactions and are in compliance with state and federal laws, regulations and guidelines.
• Learns to examine and analyze customer account files to ensure compliance with state and federal laws, regulations, and guidelines.
• Learns to analyze computer software applications to determine accuracy of calculations and disclosures in compliance with state and federal laws, regulations, and guidelines.
• Learns to analyze assigned caseload to develop itinerary to ensure institutions are examined within statutory guidelines.

Documenting/Recording Information:

• Learns to prepare a detailed examination report and provide supporting documentation that identifies legal, financial, and administrative problems which are not in compliance with state and federal guidelines, laws, and rules.
• Learns to maintain documentation of examination work papers in compliance with department standards.

Interpreting the Meaning of Information for Others:

• Learns to interpret the examination results and convey this information to institution management.

Communicating with Peers, Supervisors or Subordinates:

• Asks questions and seek clarification from supervisor and experienced examiners regarding assigned tasks, policies, responsibilities, and procedures to ensure understanding.
• Provides verbal and/or written updates to the supervisor pertaining to assigned examination tasks.
• Communicates via e-mail and verbally with supervisors and co-workers in order to suggest solutions or resolve problems uncovered in examinations.

Making Decisions and Solving Problems:

• Learns to interpret regulatory statutes, guidelines, policies, and procedures to identify and prepare written violations.

Establishing and Maintaining Interpersonal Relationships:

• Learns to work collectively with other examiners to ensure a balanced and consistent regulatory approach.

Scheduling Work and Activities:

• Learns to determine proper scheduling of companies based on current guidelines and logistics to ensure expense management and compliance with current travel policy guidelines.

Operating Vehicles, Mechanized Devices or Equipment:

• Travels out-of-state to complete examinations.
• Travels to assigned examination sites including the potential for overnight travel to conduct examinations.

Organizing, Planning and Prioritizing Work:

• Learn to manage and prioritize multiple work assignments to meet established deadlines.

Interacting with Computers:

• Learns to utilize identified software programs to analyze data and prepare report comments.
• Learns to input and extract data into and from assigned computer programs to facilitate the execution of assigned tasks.
• Learns to retrieve information from appropriate websites for use during examinations.
• Learns to set-up computers and printers at the examination site.

Performing Administrative Activities:

• Learns to maintain an updated caseload to assist with scheduling.
• Learns to submit all examination paperwork in compliance with division guidelines.
• Maintains electronic and hard-copy files according to department procedures.
• Learns to submit accurate and complete timesheets in a timely manner in Edison.
• Learns to submit expense claims, travel authorizations and reports/mileage logs according to established guidelines and timeframes.

Performing General Physical Activities:

• Lift and transport equipment (i.e. printers, boxes of records, etc.) to be utilized at the examination site.

Competencies

Competencies:

• Decision Quality
• Problem Solving
• Time Management
• Perseverance
• Written Communications
• Customer Focus
• Ethics and Values
• Integrity and Trust
• Self-Development

Knowledge:

• Economics and Accounting Knowledge required for examination functions

Skills:

• Active Listening Skills
• Intermediate Mathematical Skills
• Intermediate Reading Comprehension Skills
• Active Learning Skills
• Writing Skills for Business Reports
• Coordination Skills required to support carrying boxes and equipment
• Time Management Skills
• Deductive Reasoning Skills
• Inductive Reasoning Skills

Abilities:

• Speaking one-on-one and to group
• Mathematical Reasoning Ability
• Number Facility Ability
• Oral Comprehension Ability
• Oral Expression Ability
• Perceptual Speed Ability
• Problem Sensitivity Ability
• Writing and Comprehension Ability to review and understand reports, policies, statutes
• Written Expression Ability for business report writing and documentation of examination report
• Selective Attention and Ability to Remain Focused
• Finger Dexterity Ability
• Wrist Finger Speed
• Gross Body Coordination to support carrying boxes and equipment to examination site
• Gross Body Equilibrium to support carrying boxes and equipment to examination site
• Static Strength to support carrying boxes and equipment to examination site
• Auditory Attention
• Speech Clarity for oral communication one-on-one, telephone and for presentations
• Speech Recognition

Tools & Equipment

• Motor Vehicle
• Computer
• Printer
• Scanner
• Financial Calculator
• Copier
• Fax
• Telephone

TN Driver Standards

State of Tennessee positions that may involve driving responsibilities require candidates to meet the following minimum driver qualifications:

• A valid driver's license
• For the past five years, the candidate's driver record must not have record of the following violations: driving under the influence (DUI), reckless driving, license suspension for moving violations, more than 4 moving violations.

Please include your Driver's License Information under the Licenses and Certifications section of your application.

**Agencies may allow an exception based on other factors.