Financial/Credit Examiner I:DORA/Division of Banking
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Financial/Credit Examiner I:DORA/Division of Banking
Salary
$5,151.00 - $6,697.00 Monthly
Location
Denver, CO
Job Type
Full Time
Job Number
SCA-2036/2084-08/25
Department
Department of Regulatory Agencies
Division
Division of Banking
Opening Date
08/13/2025
Closing Date
8/28/2025 11:59 PM Mountain
FLSA
Determined by Position
Type of Announcement
This position is open only to Colorado state residents.
Primary Physical Work Address
1560 Broadway, Denver, CO 80202
Department Contact Information
Jacob Friend: jacob.friend@state.co.us
Hiring Pay Rate
The salary range posted for this position is $5,151 - $6,697/monthly; although a salary range is listed, hiring salary will be set commensurate with the successful candidate's qualifications and in compliance with the Equal Pay for Equal Work Act.
How To Apply
Please submit an online application for this position at https://www.governmentjobs.com/careers/colorado. Reach out to the Department Contact to apply using a paper application, including any supplemental questions. Failure to submit a complete and timely application may result in the rejection of your application. Applicants are responsible for ensuring that application materials are received by the appropriate Human Resources office before the closing date and time listed.
Description
Benefits
Questions
Department Information
Hybrid Workplace Arrangement:
Although this position will be designated under the department's hybrid workplace program, it will still be required to report to the department office on a scheduled basis and at the discretion of the supervisor, based on business need.
This announcement may be used to fill multiple vacancies.
The Department of Regulatory Agencies (DORA) is dedicated to preserving the integrity of the marketplace and is committed to promoting a fair and competitive business environment in Colorado.
Consumer protection is our mission.
DORA values and promotes diversity, supporting a workplace that is inclusive of people from different backgrounds and experiences; creating an environment that is reflective of our communities; promoting positive relationships; and putting forth unique perspectives to fulfill our mission.
Employer-sponsored RTD EcoPass, with offices located at Civic Center Plaza, above the RTD Civic Center station and just a few blocks from RTD light rail.
Extensive work-life programs such as flexible schedules, training and professional development opportunities on a wide variety of subjects, and more!
Employee wellness programs, including the Colorado State Employee Assistance Program (CSEAP), which provides free, confidential counseling services.
Bike-to-work programs, including access to storage lockers and bike racks.
Flexible retirement benefits, including a choice of the PERA Defined Benefit Plan or the PERA Defined Contribution Plan, plus optional 401K and 457 plans.
Medical and Dental Health Insurance for employees and optional coverage for their dependents.
Life Insurance for employees, and optional coverage for their dependents.
Paid Time Off, including 11 paid holidays.
Short- and long-term disability coverage.
Tuition assistance program.
Check out our excellent benefits (https://dhr.colorado.gov/state-employees/state-of-colorado-employee-benefits) package!
Description of Job
The Colorado Division of Banking (DOB) protects the public interest and preserves public trust in the Colorado banking industry by regulating the business of state-chartered commercial banks and trust companies, state-licensed money transmitters, and by enforcing the Public Deposit Protection Act.
The Examinations work unit exists to serve and protect the public interest by promoting a safe and sound financial institutions industry.
Position : SCA 2036 & SCA 2084
This position exists to determine safety and soundness of financial institutions by conducting regular examinations and performing off-site monitoring.
Duties include, but are not limited to:
Preparing examination work papers for the area assigned and providing a concise narrative statement of the major findings and recommendations, and if assigned a component area, recommending a rating for the component, in accordance with applicable rating standards;
Selecting a sample of loan and investment securities for review, and determining if the loan has been prudently underwritten and does not possess credit weaknesses that would require the classification of the asset;
Discussing problem credits and/or other assets with bank management and come to an agreement on a classification of the credits or assets;
Interpreting banking statutes, rules, policies, and procedures to ascertain the institution's compliance therewith, and cites violations of federal and state laws and regulations when appropriate;
Reviewing financial statements, budgets, business plans, call reports and Uniform Bank Performance Reports to assess a bank's operating strategy and the effect on earnings, liquidity, capital, and interest-rate risk exposure, if applicable;
Analyzing operating practices and determining if safety and soundness concerns exist in regards to compliance and assessing internal controls used by the financial institution;
Communicating examination findings to the examiner-in-charge (EIC) and drafting applicable portions of the examination report in accordance with Division guidelines;
Communicate examination findings with bank management and/or board of directors;
Performing off-site monitoring on a caseload of commercial banks each quarter.
Minimum Qualifications, Substitutions, Conditions of Employment & Appeal Rights
MINIMUM QUALIFICATIONS (MQs):
There are two ways to qualify for this position: 1) Experience OR 2) A Combination of Education and Experience
Option 1: Experience
Five (5) years of professional* work experience within the financial industry and/or a state or federal regulatory agency.
Option 2: A Combination of Education AND Experience
Associate's Degree and Experience: Graduation from an accredited college or university with an associate's degree in accounting, business, business administration, economics, finance, statistics, or a field of study related to the work assignment; AND
Three (3) years of professional* work experience within the financial industry and/or a state or federal regulatory agency.
OR
Bachelor's Degree and Experience: Graduation from an accredited college or university with a bachelor's degree in accounting, business, business administration, economics, finance, statistics, or a field of study related to the work assignment; AND
One (1) year of professional* work experience within the financial industry and/or a state or federal regulatory agency.
Document this experience in your application IN DETAIL , as your experience will not be inferred or assumed. Part time experience will be prorated.
SUBSTITUTIONS:
Partial credit toward the degree requirement will be given for completed college/university coursework that did not result in a degree. A master's or doctorate degree from an accredited college or university in a field of study related to the work assignment will substitute for the bachelor's degree requirement.
*Professional work involves exercising discretion, analytical skill, judgment and personal accountability and responsibility for creating, developing, integrating, applying, and sharing an organized body of knowledge that characteristically is: uniquely acquired through an intense education or training regimen at a recognized college or university; equivalent to the curriculum requirements for a bachelor's or higher degree with major study in or pertinent to the specialized field; and continuously studied to explore, extend, and use additional discoveries, interpretations, and application and to improve data, materials, equipment, applications and methods.
Preferred Qualifications :
Demonstrated experience working as an examiner with a federal or state banking regulatory body;
Demonstrated experience working in state government, working with Colorado financial institutions' statutes, laws, and regulations;
Experience in bank operations, including internal auditing, accounting, risk management, compliance, and credit analysis/underwriting loans;
Demonstrated experience assessing a financial institution's operating strategy and its effect on earnings, liquidity, interest-rate risk (IRR) exposure, and capital;
Demonstrated experience working with and knowledge of the Uniform Financial Institutions Rating System (UFIRS);
Demonstrated experience working in a financial institution environment, strategizing and/or coordinating operations while ensuring compliance with laws;
Demonstrated experience assisting, conducting or directing examinations of insured depository institutions to determine their financial condition; evaluate management; and determine the safety, soundness and risk posed to consumers;
Valid licensure as a Certified Public Accountant (CPA).
Required Competencies: The following knowledge, skills, abilities, and personal characteristics are required competencies and may be considered during the selection process (including examination and/or interview):
Demonstrated written communication skills, including the ability to convey information to various stakeholders in a clear, accurate, and concise written manner;
Demonstrated verbal communication skills, including the ability to effectively convey information to audiences in a concise manner;
Demonstrated attention to detail;
Demonstrated analytical skills, including the ability to analyze complex business and financial records;
Demonstrated critical thinking skills;
Ability to read, understand, interpret, apply, explain laws, rules, policies, and procedures;
Demonstrated knowledge of banking industry and bank operations, including internal auditing, lending, accounting, and treasury management;
Ability to read, interpret, and understand financial statements;
Ability to identify complex issues and provide recommendations for solutions;
Interpersonal skills, including the ability to work effectively with stakeholders;
Customer service skills, including the ability to diplomatically interact with difficult customers, build relationships, and maintain communication with stakeholders;;
Demonstrated prioritization skills, including planning, organizing tasks, and managing work assignments;
Demonstrated time management skills, including the ability to multi-task to effectively manage competing and constantly changing priorities in order to meet tight deadlines;
Demonstrated ability to understand and abide by workplace principles, practices and
behaviors as internally identified and defined by the division and department;
Demonstrated ability to read, understand, interpret, apply, and explain laws, rules,
policies, and procedures;
Sound judgment and the confidence to make decisions on a routine basis;
Ability to travel independently, including work in-office, as required by business needs and scheduled by the supervisor;
Integrity and high ethical standards;
Accountability, reliability, including attendance;
Ability to maintain confidential, controversial, or sensitive information;
Self-starter, including the ability to work independently, learn new processes, utilize
own knowledge and that of supervisor, and complete work with minimal supervision;
Demonstrated professional demeanor;
Knowledge and understanding in the use of PC software applications including Microsoft Office (Access, Word, Excel, etc.), and Google Suite (Doc's, Sheets, Slides, etc).
Conditions of Employment: Candidates who fail to meet the conditions of employment will be removed from consideration.
The successful passing of a reference check and/or, if required, a background check.
A reference check may include but is not limited to: contacting previous and current supervisors to verify employment and discuss performance, a review of the personnel file, a review of the performance record, a review of job-related public information,etc.
The @type of background check depends on the job duties of the position, and can include a review of any criminal record, credit report, and/or driving record.
Ability to travel independently, including work in-office, as required by business need and scheduled by the supervisor.
Applicants must possess and maintain a valid State of Colorado driver's license and the ability and willingness to travel independently. You must include your State of Colorado driver's license number on your application in order to be considered. Travel is required up to 40% of the time, including traveling overnight and staying out over weekends when required.
Supplemental Information
PLEASE READ - Required Application Materials
Interested individuals must submit the following online:
A completed State of Colorado Application (log-in to your current NeoGov account or create a NeoGov account to complete the online application). Note: Incomplete applications, including incomplete work history sections or "see résumé," "see attachment," or "see addendum" statements, will not be accepted in lieu of a completed application form.
A current email address on your application, as all communication pertaining to this position will be conducted via email. Please set up your email to accept messages from info@governmentjobs.com and '@state.co.us' addresses, and check your email often. Note: The department cannot guarantee the successful delivery of email, including incorrect filtering into junk mail folders.
A detailed cover letter , explaining how you meet the required competencies and how your accomplishments, qualifications, skills, areas of expertise, personal characteristics, etc. make you a good fit for this position; you may also attach additional documents that demonstrate this.
Comparative Analysis Process: Structured Application Review
Part of, if not the entire, comparative analysis process for this position will involve a review of the information you submit in your application materials; Therefore, it is paramount that in the experience portion of your application and cover letter, you describe the extent to which you possess the education, experience, and competencies outlined in the job announcement as well as the required and/or preferred qualifications/competencies. You are also encouraged to attach additional documents to that effect. Failure to include adequate information or follow instructions may affect your score and prevent you from competing in subsequent measures used to arrive at a top group of applicants.
Part of the comparative analysis process and/or the interview process may be conducted through remote video conferencing (i.e. Google Meet, Zoom, etc.)
Veterans' Preference : Candidates who wish to assert Veterans' Preference should attach a copy of their DD214 to their application. Failure to do so will result in being denied Veterans Preference.
PLEASE NOTE: Former State Personnel System employees who were disciplinarily terminated or resigned in lieu of termination must disclose this information on the application. Colorado Revised Statutes require that all state employees be hired and promoted through competitive examination of merit and fitness. Failure to include the required information, failure to follow instructions, and/or failure to submit materials by the application deadline may result in your application not being considered for the position and may affect your score or inclusion in the final pool of qualified candidates.
The State of Colorado strives to create a Colorado for All by building and maintaining workplaces that value and respect all Coloradans through a commitment to equal opportunity and hiring based on merit and fitness.
The State is resolute in non-discriminatory practices in everything we do, including hiring, employment, and advancement opportunities.
ADAAA Accommodations : DORA is committed to the full inclusion of all qualified individuals. As part of this commitment, our agency will assist individuals who have a disability with any reasonable accommodation requests related to employment, including completing the application process, interviewing, completing any pre-employment testing, participating in the employee selection process, and/or to perform essential job functions where the requested accommodation does not impose an undue hardship. If you have a disability and require reasonable accommodation to ensure you have a positive experience applying or interviewing for this position, please direct your inquiries to our ADAAA Coordinator, at dora_adacoordinator@state.co.us .
Check out our excellent benefits (https://dhr.colorado.gov/state-employees/state-of-colorado-employee-benefits) package!
THIS ANNOUNCEMENT MAY BE USED TO FILL MULTIPLE VACANCIES
While a salary range is posted for this position, an eventual salary offer is determined by a comprehensive salary analysis, which considers multiple factors including but not limited to education and experience compared to others in the organization doing substantially similar work.
Appeal Rights :
If you receive notice that you have been eliminated from consideration for this position, you may file an appeal with the State Personnel Board or request a review by the State Personnel Director.
An appeal or review must be submitted on the official appeal form, signed by you or your representative. This form must be delivered to the State Personnel Board by email, US Mail, faxed or hand-delivered within ten (10) calendar days from your receipt of notice or acknowledgment of the department's action.
For more information about the appeals process, the official appeal form, and how to deliver it to the State Personnel Board go to spb.colorado.gov or refer to 4 Colorado Code of Regulations (CCR) 801-1, State Personnel Board Rules and Personnel Director's Administrative Procedures, Chapter 8, Resolution of Appeals and Disputes, at spb.colorado.gov under Rules.
The State of Colorado offers permanent employees a variety of benefits including medical, dental, life and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: www.colorado.gov/pacific/dhr/benefits
Please note that each agency's contact information is different; therefore, we encourage all applicants to view the full, official job announcement which includes contact information and class title. Select the job you wish to view, then click on the "Print" icon.
01
DORA Q1: Please provide your Social Security Number. NOTE: This information will be kept strictly confidential and is only accessible to Human Resources Personnel.
02
DORA Q2: Are you a current or previous State of Colorado employee? Enter "yes" or "no" in the space provided. If "yes", enter 1) the State agency name, 2) dates of employment, and 3) your official classification title.
03
DORA Q3: If you are a current or former State of Colorado classified employee, have you ever been disciplinary terminated, resigned in lieu of termination, or deemed to have resigned without notice (Board Rule 7-6, Automatic Resignation)? NOTE: Current and former State Personnel System employees who were disciplinary terminated, resigned in lieu of termination, or who were deemed to have resigned without notice (Board Rule 7-6, Automatic Resignation) must disclose this information on the application. Failure to disclose this information and/or falsification of application materials may result in being removed from consideration for this position.
N/A - I am not a current or former State of Colorado classified employee.
YES, I have been disciplinary terminated, resigned in lieu of termination, or deemed to have resigned without notice (Board Rule 7-6, Automatic Resignation).
NO, I have NEVER been disciplinary terminated, resigned in lieu of termination, or deemed to have resigned without notice (Board Rule 7-6, Automatic Resignation).
04
DORA Q4: Current or Former Classified Employees: Are you a transfer, non-disciplinary (voluntary) demotion, or reinstatement applicant?
Yes
No
N/A - I am not a current or former State of Colorado classified employee.
05
DORA Q5: VETERAN'S PREFERENCE NOTE: If you are not eligible for/seeking Veteran's Preference, please skip down to the bottom and select option "N/A". REQUIRED DOCUMENTATION: Candidates who wish to assert Veterans' Preference should attach a copy of their DD214 reflecting dates of service, @type of discharge, and, if appropriate, a campaign badge or service medal. If information regarding a campaign badge or service medal is necessary to award preference points and is not reflected on the DD214, other documents reflecting the grade or medal must be provided. Other @types of documentation may be required for ten point preference. Note 1: For a complete list of service dates and campaigns used in awarding preference points visit: http://www.opm.gov/veterans/html/vgmedal2.htm Note 2: Medal holders and Gulf War veterans who originally enlisted after September 7, 1980, or entered active duty on or after October 14, 1982, without having previously completed 24 months of continuous active duty; must have served continuously for 24 months or the full period called or ordered to active duty. Note 3: Effective October 1, 1980, military retirees at or above the rank of major or equivalent, are not entitled to preference unless they qualify as disabled veterans. Reservists who are retired from the Reserves but are not receiving retirement pay are not considered "retired military" for purposes of veterans' preference. REMINDER: Proof of eligibility must be provided before points are allowed. Please attach documentation to your application. If you have not done so, please go back and do so now. Veteran's Preference points WILL NOT be applied without the appropriate documentation. PLEASE CHECK ALL THAT APPLY:
N/A - I am not eligible for/seeking Veteran's Preference.
A) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: During any war declared by Congress
B) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: During the period April 28, 1952, through July 1, 1955;
C) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: For more than 180 consecutive days, any part of which occurred after January 31, 1955, and before October 15, 1976;
D) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: During the Gulf War period beginning August 2, 1990, and ending January 2, 1992;
E) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: For more than 180 consecutive days, any part of which occurred during the period beginning September 11, 2001, and ending on the date prescribed by Presidential proclamation or by law as the last day of Operation Iraqi Freedom; or,
F) I was honorably separated (this means an honorable or general discharge) and I served on active duty (excluding active duty for training) in the Armed Forces: In a campaign or expedition for which a campaign medal has been authorized*, such as El Salvador, Lebanon, Granada, Panama, Southwest Asia, Somalia, and Haiti.
G) I have served on active duty in the Armed Forces at any time and have a present service connected disability or are receiving compensation, disability retirement benefits, or pension from the military or the Department of Veterans Affairs; or
H) I am a Purple Heart recipient;
I) I am the spouse of a veteran unable to work because of a service-connected disability;
J) I am the unmarried widow/widower of certain deceased veterans; and
K) I am the mother of a veteran who died in service or who is permanently and totally disabled.
06
DORA Q6: Part of the required application materials includes a detailed cover letter, explaining how you meet the required competencies and how your accomplishments, qualifications, skills, areas of expertise, personal characteristics, etc. make you a good fit for this position; you may also attach additional documents that demonstrate this. Q: Have you included this cover letter as an attachment to your application? (If not, you may go back and do so now). Yes, I have attached the required cover letter explaining how I meet the required competencies and how my accomplishments, qualifications, skills, areas of expertise, personal characteristics, etc. make me a good fit for this position; I may also attach additional documents that demonstrate this. No, I have not attached the required cover letter to my application. Note: I understand that failure to include this information and follow instructions may prevent me from competing in subsequent measures used to arrive at a top group of applicants.
Yes
No
07
DORA Q7: Do you currently possess an associate's or bachelor's degree in accounting, business, business administration, economics, finance, statistics, or a field of study related to the work assignment? If so, please list the @type of degree below.
08
DORA Q8: If you are using experience to qualify, please describe in detail how you meet the following minimum qualifications: Five (5) years of professional* work experience within the financial industry and/or a state or federal regulatory agency. Note: If you answered yes to DORA Q7 with an associate's degree, the experience requirement is three (3) years. If you answered yes to DORA Q7 with a bachelor's degree, the experience requirement is two (2) years.
09
DORA Q9: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience working as an examiner with a federal or state banking regulatory body.
10
DORA Q10: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience working in state government, working with Colorado financial institutions' statutes, laws, and regulations.
11
DORA Q11: Please explain IN DETAIL how you meet the following preferred qualification: Experience in bank operations, including internal auditing, accounting, risk management, compliance, and credit analysis/underwriting loans.
12
DORA Q12: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience assessing a financial institution's operating strategy and its effect on earnings, liquidity, interest-rate risk (IRR) exposure, and capital.
13
DORA Q13: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience working with and knowledge of the Uniform Financial Institutions Rating System (UFIRS).
14
DORA Q14: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience working in a financial institution environment, strategizing and/or coordinating operations while ensuring compliance with laws.
15
DORA Q15: Please explain IN DETAIL how you meet the following preferred qualification: Demonstrated experience assisting, conducting or directing examinations of insured depository institutions to determine their financial condition; evaluate management; and determine the safety, soundness and risk posed to consumers;
16
DORA Q16: Please explain IN DETAIL how you meet the following preferred qualification: Valid licensure as a Certified Public Accountant (CPA).
17
DORA Q17: The salary range posted for this position is $61,812 - $80,364/annually ($5,151 - $6,697/monthly); while appointments are typically made at or near the range minimum, the salary will be set based on the qualifications of the candidate appointed and relevant factors. Please share your salary expectations below.
18
DORA Q18: Although this position will be designated under the department's hybrid workplace program, it will still be required to report to the department office on a scheduled basis and at the discretion of the supervisor, based on business needs. Would you be able to do this?
19
DORA Q19: If you move forward in this process and are selected for this position, what is the earliest date that you would be able to start?
Required Question
Employer
State of Colorado
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