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Careers at the OCC | ||||||||||
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The OCC offers bank examiner career opportunities for both entry level and experienced individuals. Assistant/Associate Examiner positions offer the main avenue of entry to a bank examiner career. Assistant/Associate Examiners join a staff that reviews and evaluates all of the activities of a national bank, which may include commercial and asset management functions, compliance with consumer regulations, and bank information systems. These positions lead to commissioned National Bank Examiner status. To obtain this status, Assistant/Associate Examiners must pass the OCC's Uniform Commission Exam (UCE). This testing process determines if an individual has the requisite knowledge, skills, and abilities to lead safety and soundness and/or specialty examinations.
Examiners at the OCC may work in several specialty areas. In addition to our generalist positions, we employ people with expertise in asset management, bank information systems (BIS), capital markets, consumer compliance/CRA, credit, mortgage banking, and other areas. Experts in these specialty areas supplement their generalist skills. Separate commissioning processes for the specialty areas of asset management, BIS, and consumer compliance/CRA may be required. Upon successful completion of the testing requirements for a given specialty area, individuals will receive a specialty commission.
Click here to see general eligibility requirements for bank examiner positions.
Specific position qualification requirements are contained in each job announcement listed on
the Current Job Openings web page. Recently, the OCC identified
six industry certifications that provide significant value to the agency.
Certain job opportunities, especially expert level positions, may place emphasis on these
certifications when determining the best candidate. While you will not be required to have an
industry certification to be selected for such positions, having a relevant certification will
benefit your application when you apply for a position that requires a particular expertise.
Generalists are the largest group of examiners at the OCC. They engage
in a range of analytical activities in evaluating the banking practices and financial
soundness of the institutions they supervise. The scope of an examination may embrace
every phase of banking activity or may concentrate on specific areas that deserve greater
emphasis. Essentially, our supervisory process focuses on the area(s) of greatest risk.
That is, we spend our time and direct bank management's attention to those areas which
pose the greatest risk to the institution. Our supervision by risk system allows us to
analyze and respond to risks across different financial products and activities and across
different banks with different specialties. All national bank examinations are designed to
determine the condition and performance of banks, the quality of their operations, and the
capacity of management to ensure compliance with federal laws.
Bank information systems (BIS) specialists evaluate technology and bank
information systems related functions at national banks. Typical assignments are to
evaluate the information systems management structure and effectiveness; the adequacy of
audit management, development and acquisitions (the organization's ability to identify,
acquire, install and maintain appropriate information technology solutions); and the
organization's ability to provide technology services in a secure environment. BIS
specialists usually develop their own risk-based strategies and work with significant
autonomy. Candidates for these positions need an understanding of bank operations,
technology planning, telecommunications, LANs, database, software development, and
computer operations. A knowledge of the banking business is essential.
The OCC's consumer compliance specialists ensure that national banks
comply with consumer protection laws and regulations, including fair lending laws, and
maintain an acceptable level of performance with respect to the Community Reinvestment
Act. These specialists may participate in community outreach activities and periodically conduct
training sessions that address consumer protection, banking secrecy, and CRA issues. In addition
to knowledge of those areas, candidates must also have a firm understanding of basic banking
principles and operations and general supervisory issues.
Credit specialists focus their evaluations on the level of credit risk and how well that risk is
managed in bank asset portfolios. This is done by reviewing and analyzing various credit transactions
and the bank's systems and processes established to measure, monitor, and control credit activities.
Candidates for these positions need a high level of expertise in credit-related bank activities. That
experience is often gained by working as a loan officer, relationship manager, credit policy officer,
loan review officer, or portfolio manager.
General Eligibility Requirements To qualify for entry-level bank examiner positions, applicants must have either:
![]() The OCC has determined that the following certifications provide value to the banks the OCC supervises by enhancing the overall expertise of its examining workforce:
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You are entering an official United States government system, which may be used only for authorized purposes. Unauthorized modification of any information stored on this system may result in criminal prosecution. |
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