Safety & Soundness Bank Examiner

Federal Reserve Bank of St. Louis; St. Louis (MO); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical, Dental, and Vision insurance

401(k) with employer match

Paid vacation and sick time

On-site fitness center

Tuition reimbursement

Job summary

A federal financial institution seeks a Bank Examiner to evaluate the soundness of financial conditions and assess risk management effectiveness. Candidates should have a Bachelor’s degree and five years of relevant banking experience. The role requires overnight travel and is based in St. Louis, Louisville, or Memphis, with relocation options available. Compensation ranges from $70,000 to $165,000 based on commission status, and the position offers comprehensive benefits, including a 401(k) plan and tuition reimbursement.

Qualifications

• Five years of relevant banking experience preferred.
• Examiner commission from regulatory agency required.
• Ability to lead bank examinations.

Responsibilities

• Evaluate financial conditions of organizations.
• Assess risk management effectiveness.
• Ensure compliance with banking laws.

Skills

Financial analysis

Risk management

Team collaboration

Professional report writing

Education

Bachelor’s degree in business or related field

Job description

Overview

Our Safety & Soundness unit is looking for individuals to join our team of Bank Examiners. An examiner commission through a federal or state regulatory agency is a relevant factor in consideration for these positions. If you lack an examiner commission, regulatory, banking, lending, capital markets, Bank Secrecy Act, fiduciary activities or related experience in the financial services industry will be considered. This position can be based in St. Louis, MO; Louisville, KY; or Memphis, TN.

We value clear communication, financial and risk management analysis experience, and individuals who enjoy working as part of a team. Safety and Soundness examiners conduct community and regional bank examinations and bank holding company inspections.

Travel Requirement

Overnight travel is required, typically approximately 50 nights per year, or about 20–30% of workdays within the Eighth Federal Reserve District. Travel may include up to five consecutive days of overnight stays, primarily by vehicle, with some air travel. We provide flexible on-site work arrangements and a compressed schedule to support work/life balance.

Responsibilities

• Evaluate the soundness of an organization's financial condition, including capital, asset quality, earnings, liquidity, and exposure to interest rate risk.
• Assess the effectiveness of risk management, including board and management oversight, policies and procedures, internal controls, and management information systems.
• Ensure compliance with banking laws and regulations.

Qualifications

• Bachelor’s degree in business or a business‑related field, or equivalent experience.
• Examiner commission or certification granted by a federal or state regulatory agency.
• Five years of relevant banking experience (e.g., lending, capital markets, Bank Secrecy Act, or related areas). Candidates with less experience may be considered at a lower job grade or salary.
• Ability to lead or participate in bank examinations or bank holding company inspections, or key areas within those activities.
• Sound ability to create professional supervisory reports.
• Knowledge in finance, accounting, lending, banking operations, or related fields.
• Interest in coaching, mentoring, and developing peers.
• Team‑oriented work style, serving as an enthusiastic team member or leader.
• Travel: overnight travel required 20–30% of the year (approximately 50 nights).
• Must live in or relocate to the 8th District and work from our Memphis, TN, Louisville, KY, or St. Louis, MO offices. Relocation incentives are available.
• Position is onsite and not eligible for remote status.

Benefits

• Medical (4 options), Prescription, Dental (3 options), and Vision insurance with no waiting period.
• 401(k)/Thrift Plan with generous employer match.
• Employer‑funded Pension Plan.
• Paid vacation, sick time, and holidays.
• Flexible Spending Accounts and Healthcare Spending Accounts.
• Life Insurance and Long‑Term Disability Insurance.
• Undergraduate and graduate Tuition Reimbursement.
• Parental leave.
• Free on‑site 24/7 fitness center.
• On‑site cafeteria and coffee shop (St. Louis location).
• Additional convenience benefits, discounts, and more.

Salary

Non‑commissioned examiners: $70,000 – $110,000
Commissioned examiners: $100,000 – $165,000

Equal Opportunity Statement

The Federal Reserve Bank of St Louis is an Equal Opportunity Employer.

Confidentiality and Citizenship Requirements

This position requires access to confidential supervisory information (CSI) and/or Federal Open Market Committee (FOMC) information. Access to CSI and FOMC information is limited to U.S. citizens, lawful permanent residents, individuals who meet the definition of “protected individual” under 8 U.S.C. 1324b(a)(3), and certain other non‑immigrants. All non‑U.S. citizens authorized to access CSI and/or FOMC information must sign a declaration of intent to expeditiously become a U.S. citizen when eligible. Employees who require access to CSI and/or FOMC information are subject to periodic background investigations and must comply with all applicable information‑handling policies.