Senior Financial Institutions Examiner
Current-Responsible leading and participating in the assessment of the risk profile and financial strength of California State chartered financial institutions. The process entails a review of a bank’s loan portfolio quality, capital strength, earnings performance/sustainability, liquidity, and management performance.-Reviewing a risk focused set of loans to determine credit worthiness on a loan by loan basis, then aggregating the data to assess the credit quality of the portfolio. -Analyzing credit files to determine a borrower’s ability to service debt, assess collateral coverage and documentation, and assign appropriate risk classification. -Evaluation of the adequacy and appropriateness of an institutions allowance for loan and lease loss methodology and level, in relation to the institution’s risk profile and compliance with regulatory guidance.-Reviewing the quality, and sustainability of a bank’s earnings through balance sheet, profit & loss, and budget analysis. -Reviewing commercial and community banks capital structure and levels to determine adequacy to support the bank’s risk. -Reviewing sources and uses of cash, liquidity available on the balance sheet, and the ability to obtain off balance sheet and contingent liquidity sources. -Reviewing areas of bank operations including; internal routines and controls, audit, Call Report accuracy, budgets, securities, and Asset/Liability Management.-Develops recommendations to correct deficiencies in bank operations, management, policies, and other areas subject to criticism when warranted.-Compiling and dissemination of pertinent findings in a formal report and verbally with bank management and Board of Directors.-Assigning CAMELS ratings to reviewed components, and disclosing findings to bank management.-Develops regulatory policies and procedures for the examination process. -Enforcement of State and Federal regulations.
