- Bank Supervision
- Business & Operations
Entry-Level Midsize and Community Bank Examiner Careers
As an entry-level bank examiner, you will begin your career in Midsize and Community Bank Supervision as an assistant national bank examiner. This experience provides the foundation for learning the practical aspects of bank supervision. Examiners experience unparalleled exposure to the financial services industry and are respected advisors to the industry they regulate. Examiners interact with all levels of bank management and complete a wide range of analytical and bank supervisory activities at bank and Office of the Comptroller of the Currency (OCC) offices. They use a risk-based examination approach to assess a bank’s condition and identify potential problems. Assignments cover all areas of banking, including loans, interest rate risk, capital, liquidity, consumer protection programs, and compliance with banking laws and regulations. Through a program of continuing education and career development, OCC examiners expand their knowledge and skills. They apply their technical expertise and interpersonal skills in an industry with increasingly sophisticated products and services.
Community Bank Supervision focuses on banks that typically conduct traditional banking activities. While some of these banks range from $1 billion to $8 billion in assets, most have less than $1 billion in assets.
Midsize Bank Supervision generally includes banks with assets between $8 billion and $60 billion. Although midsize banks are located throughout the country, oversight is centralized under a single OCC Deputy Comptroller in DC headquarters to facilitate consistent supervision.
Entry-level bank examiners, or assistant national bank examiners, spend approximately 15 percent to 95 percent of their early careers traveling to national banks and federal savings associations (collectively, banks) across the country. They may work in one of the OCC’s field offices located across the U.S., at banks, or at bank branches.
Assistant National Bank Examiners
- organize and analyze selected data;
- complete bank supervision procedures;
- check compliance with laws and regulations;
- gather information through discussions with other OCC employees;
- discuss findings with other examiners and bank management;
- draw conclusions and recommend corrective action; and
- perform off-site analyses, write memorandums and reports, and update or write examination comments under close supervision.
For more information, watch a short video about becoming a National Bank Examiner.
Careers at the OCC offer opportunity for advancement. Assistant national bank examiners spend six to eight months on a training team participating in bank examinations, meeting with bank managers, and making recommendations and suggestions.
Several years of formal training lead to the Uniform Commissioned Examination (UCE). Successful completion of the UCE means a commission as a National Bank Examiner and opportunities to manage an entire bank examination as an examiner-in-charge. Some examiners go into specialized areas, such as asset management, bank information technology, bank secrecy act/anti-money laundering, capital markets, compliance, mortgage banking, and retail credit.
This position requires extensive and frequent travel from Monday through Friday. Weekend travel is rare.
- While travelling, you will work with a team of typically, three to 10 other examiners.
- For the most part, you will travel independently to a bank for an examination.
- The type and frequency of travel vary depending on the location of your assigned field office. Some offices require more travel to rural areas, while others require more travel to metropolitan areas.
- See estimated overnight travel percentages by field office location.
- You may have long commutes; the main method of transportation to and from most OCC offices is by privately-owned vehicles.
- The OCC offers various transportation benefits, including mileage reimbursement, public transit subsidies (if you are traveling to a bank), and full coverage of air and train fees.
- When you travel more than 50 miles from your residence, you are generally eligible for lodging (hotel, motel, or bed & breakfast) expenses.
- While traveling, you are compensated with a pre-established per diem to cover daily meals and incidental expenses.
- The OCC’s flexible work schedules and holiday schedule reduce the number of days you are in travel status.
The OCC will be conducting the spring 2020 recruitment campaign and accepting applications in January and February. Details on what to submit will be released on January 21, 2020.
Equal Employment Opportunity
The OCC is dedicated to ensuring equal opportunity for all applicants. All employment decisions are made without regard to non-merit factors, such as race, color, religion, gender, national origin, age, disability, protected genetic information, sexual orientation, parental status, marital status, or political affiliation. The OCC provides reasonable accommodation to qualified individuals with disabilities.
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