Regional Banking Credit Risk Examiner/Specialist Regional Banking Credit Risk Examiner/Specialist …

Federal Reserve Bank Dallas
in Lackland Air Force Base, TX, United States
Permanent, Full time
Be the first to apply
Federal Reserve Bank Dallas
in Lackland Air Force Base, TX, United States
Permanent, Full time
Be the first to apply
Regional Banking Credit Risk Examiner/Specialist
Examiner I (Regional Banking Credit Risk Specialist)

The Federal Reserve Bank of Dallas believes in the diversity of our people, ideas and experience, and we are committed to building an inclusive culture that represents the communities we serve.


As part of the nations central bank, the Federal Reserve Bank of Dallas is committed to strengthening the economy and our communities.  At the Fed, you have the opportunity to become part of an important public service institution whose work touches lives across the globe, and that is why we need talented, results-driven professionals who care about making a difference.


Currently, the Banking Supervision and Regulation RBO/LBO department is seeking a self-motivated, versatile Examiner I (Regional Banking Credit Risk Specialist) to be located in San Antonio, TX. The successful candidate will serve as credit risk specialist on the examination team responsible for supervisory oversight of regional-sized Bank Holding Companies (BHCs) managed out of San Antonio.  There are currently four assigned regional-sized BHCs, defined as having total assets between $10 billion and $100 billion, with one BHC owning a state member bank.  The successful candidates primary responsibility and time will be dedicated to overseeing credit risk at the state member bank.  This individual will conduct inspections/examinations and ongoing reviews, analyze internal reports, conduct discussions with BHC and bank management, review industry information, and research credit risk topics affecting the financial services industry. 
The majority of time will be spent in team activities with emphasis on analyzing and assessing credit risk measurement and risk management practices as a risk specialist.  In addition to credit risk specialist responsibilities, the successful candidate will work with and support Central Points of Contact (CPCs), dedicated team members, and Department risk specialists to execute a sound supervisory program for the BHCs assigned to the San Antonio branch, as well as support Department, Dallas Reserve Bank, and Federal Reserve System initiatives.  The interdisciplinary coordination involved is substantial, and the ability to work collaboratively with other units within the Banking Supervision Department, Board of Governors (BOG) Staff, and other regulatory agencies is key to this role.
An important requirement of this position is effectiveness in initiating and maintaining communication and information flow between BHC management and regulators.  In addition, this examiner/specialist will define the rationale for specific inspection/examination activities, which may be driven by a need for more information about industry practices with respect to a given risk topic, or to address specific regulatory concerns developed through ongoing analysis, peer information, external events, or regulatory mandates.  Written and oral communications must be conclusion oriented, well-supported, and consistent with regulatory standards and established market practices. 


 Leads or participates in supervisory events that assess asset quality and credit risk management.  Analyzes and evaluates the entitys policies, procedures and controls.  Confers with entity and other Federal Reserve personnel to gather information and resolve any issues that arise during the supervisory process 
 Recommends regulatory ratings/assessments. Leads meetings with entity officials and Reserve Bank management to discuss issues, findings, and recommendations
 Leads post-supervisory event activities including the completion or supervision of workpapers (and workpaper review), the examination/inspection report, vetting document, letter of findings and/or internal memoranda 
 Ensures written documents that summarize and communicate the findings to the entity board and management, the BOG, and other regulatory agencies comply with System and district standards, policies, and procedures
 Conducts or supervises the analysis of responses to remediate issues identified during a supervisory event
 Monitors entity between supervisory events for new issues and significant changes in risk profile, recommending actions to be taken where appropriate
 Ensures expertise is maintained by participating in System and industry conferences, discussions, and training.  Ensures that Reserve Bank management and appropriate business lines are aware of emerging issues and changing risk profiles that may impact varying business lines and entities supervised
 When leading supervisory events, provides performance feedback and direction to staff
 Contributes to various Federal Reserve System, Reserve Bank, and Departmental initiatives by participating in committees, training activities, and the development of policy statements

 Knowledge with practical application of credit risk management and measurement methodologies, applicable laws and regulations, and relevant supervisory guidance for credit areas
 Advanced analytical skills, as well as a thorough understanding of banking laws, regulation, and policies and the ability to apply and explain complex regulatory, financial, and analytical concepts
 Strong communication (both written and verbal), interpersonal, and organizational skills are required.  The position requires professional interaction with senior management of the Reserve Bank, BOG staff, financial services industry, and other regulatory agencies
 Must demonstrate initiative, follow through on directions with minimal supervision, and recognize situations where deviation from original direction is appropriate
 Ability to handle difficult or challenging conversations and to provide critical feedback
 Ability to independently research complex questions
 Ability to work well in a team environment while providing strong leadership
 Ability to manage multiple tasks at one time
 Ability to remain current on new and evolving issues

 Instills Trust - Gains the confidence and trust of others through honesty, integrity, and authenticity
 Ensures Accountability - Holds self and others accountable to meet commitments
 Decision Quality - Makes accurate and timely decisions
 Manages Complexity - Makes sense of complex, high quantity, and sometime contradictory information to effectively form conclusions and solve problems
 Action Oriented Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
 Situational Adaptability Adapts approach and demeanor in real time to match the shifting demands of different situations
 Values Differences Recognizes and embraces the value that different perspectives and cultures bring to an organization
 Interpersonal Savvy Relates openly and comfortably with diverse groups of people
 Communicates Effectively Delivering written and oral communications that convey a clear understanding of the unique needs of different audiences
 Cultivates Innovation Creates new and better ways for the organization to be successful


 Bachelors degree in finance, accounting, or related field
 Minimum of five to seven years of credit experience is preferred
 Regulatory experience is preferred
 Examiner commission from a federal or state banking agency is preferred
 Equivalent education and/or experience may be substituted for any of the above requirements


 M-F from 8:00 a.m. to 5:00 p.m.; alternate work schedule 80 hours/2 weeks/additional hours may be required
 Required average travel of 15% to 25% will be necessary to complete job duties and responsibilities but at times could reach 40% dependent on base location


 Preferred base location for this position is San Antonio; depending on the candidates qualifications, Dallas or Houston locations may be considered.
 The commissioning status, salary level, and title for this position will be determined by applicant's qualifications.  This position may be filled as a Sr. Risk Specialist, Examiner I, Examiner II or Examiner III, depending on the applicant's qualifications and experience. 
 Employment is contingent upon the selected candidate passing a financial credit check.
 By federal law, this position requires that candidates fall within one of the following citizenship categories: (1) U.S. citizen, (2) U.S. national, (3) U.S. permanent residents who are not yet eligible to apply for naturalization, or (4) U.S. permanent residents who have applied for naturalization within six months of being eligible to do so.


We are Proud to be an Equal Opportunity Employer

Primary Location: TX-San Antonio
Work Locations:
Organization: Federal Reserve Bank of Dallas
Schedule: Full-time
Job Type: Experienced
Shift: Day Job
Travel: Yes, 15 % of the Time