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Career and Education Opportunities for Financial Examiners in Thornton, Colorado

For those living in the Thornton, Colorado area, there are many career and education opportunities for financial examiners. There are currently 290 working financial examiners in Colorado; this should grow 13% to 330 working financial examiners in the state by 2016. This is not quite as good as the national trend for financial examiners, which sees this job pool growing by about 41.2% over the next eight years. In general, financial examiners enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions.

Financial examiners earn approximately $37 hourly or $77,360 per year on average in Colorado. Nationally they average about $34 hourly or $70,930 yearly. Earnings for financial examiners are better than earnings in the general category of Accounting and Auditing in Colorado and better than general Accounting and Auditing category earnings nationally. People working as financial examiners can fill a number of jobs, such as: compliance vice president, chief bank examiner, and compliance director.

The Thornton area is home to fifty-nine schools of higher education, including eight within twenty-five miles of Thornton where you can get a degree as a financial examiner. The most common level of education for financial examiners is a Bachelor's degree. It will take about four years to learn to be a financial examiner if you already have a high school diploma.

CAREER DESCRIPTION: Financial Examiner

Financial Examiner video from the State of New Jersey Dept. of Labor and Workforce Development

In general, financial examiners enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions. They also may examine, verify correctness of, or establish authenticity of records.

Every day, financial examiners are expected to be able to think through problems and come up with general rules. They need to articulate ideas and problems. It is also important that they listen to and understand others in meetings.

It is important for financial examiners to formulate and review work of assigned subordinates. They are often called upon to investigate efforts of institutions to enforce laws and regulations and to insure legality of transactions and operations or financial solvency. They also inspect balance sheets, operating income and expense accounts, and loan documentation to confirm institution assets and liabilities. They are sometimes expected to recommend actions to insure adherence to laws and regulations, or to safeguard solvency of institutions. Somewhat less frequently, financial examiners are also expected to evaluate data processing applications for institutions under examination to evolve recommendations for coordinating existing systems with examination procedures.

Financial examiners sometimes are asked to train other examiners in the financial examination process. They also have to be able to inspect audit reports of internal and external auditors to track adequacy of scope of reports or to discover specific weaknesses in internal routines and inspect and analyze new, proposed, or revised laws, regulations and procedures to interpret their meaning and decide on their impact. And finally, they sometimes have to establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation.

Like many other jobs, financial examiners must have exceptional integrity and be thorough and dependable.

Similar jobs with educational opportunities in Thornton include:

  • Accountant. Analyze financial information and prepare financial reports to determine or maintain records of assets, liabilities, profit and loss, tax liability, or other financial activities within an organization.
  • Assessor. Appraise real and personal property to determine its fair value. May assess taxes in accordance with prescribed schedules.
  • Auditor. Examine and analyze accounting records to determine financial status of establishment and prepare financial reports concerning operating procedures.
  • Budget Analyst. Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations. Analyze budgeting and accounting reports for the purpose of maintaining expenditure controls.
  • Credit Analyst. Analyze current credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with this credit information for use in decision-making.
  • Financial Analyst. Conduct quantitative analyses of information affecting investment programs of public or private institutions.
  • Income Tax Advisor. Prepare tax returns for individuals or small businesses but do not have the background or responsibilities of an accredited or certified public accountant.
  • Loan Officer. Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and methods of payments. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.
  • Personal Financial Planner. Advise clients on financial plans utilizing knowledge of tax and investment strategies, securities, and real estate. Duties include assessing clients' assets, liabilities, and financial objectives to establish investment strategies.
  • Real Estate Appraiser. Appraise real property to determine its value for purchase, sales, or loan purposes.
  • Tax Examiner. Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.

EDUCATIONAL OPPORTUNITIES: Financial Examiner Training

Colorado Technical University - Greenwood Village, CO

Colorado Technical University, 5775 Denver Tech Ctr Blvd, Greenwood Village, CO 80111-3201. Colorado Technical University is a small university located in Greenwood Village, Colorado. It is a private for-profit school with primarily 4-year or above programs and has 1,010 students. Colorado Technical University has associate's degree, bachelor's degree, and master's degree programs in Accounting which graduated one, four, and ten students respectively in 2008.

Everest College-Thornton - Thornton, CO

Everest College-Thornton, 9065 Grant St, Thornton, CO 80229. Everest College-Thornton is a small college located in Thornton, Colorado. It is a private for-profit school with primarily 2-year programs. It has 714 students and an admission rate of 30%. Everest College-Thornton has an associate's degree program in Accounting.

Colorado Christian University - Lakewood, CO

Colorado Christian University, 8787 West Alameda Avenue, Lakewood, CO 80226. Colorado Christian University is a small university located in Lakewood, Colorado. It is a private not-for-profit school with primarily 4-year or above programs. It has 2,583 students and an admission rate of 32%. Colorado Christian University has a less than one year and a bachelor's degree program in Accounting which graduated zero and one students respectively in 2008.

Regis University - Denver, CO

Regis University, 3333 Regis Blvd, Denver, CO 80221-1099. Regis University is a large university located in Denver, Colorado. It is a private not-for-profit school with primarily 4-year or above programs. It has 11,238 students and an admission rate of 44%. Regis University has a bachelor's degree program in Accounting which graduated one student in 2008.

Johnson & Wales University-Denver - Denver, CO

Johnson & Wales University-Denver, 7150 Montview Blvd, Denver, CO 80220. Johnson & Wales University-Denver is a small university located in Denver, Colorado. It is a private not-for-profit school with primarily 4-year or above programs. It has 1,454 students and an admission rate of 76%. Johnson & Wales University-Denver has an associate's degree and a bachelor's degree program in Accounting which graduated eight and nine students respectively in 2008.

National American University-Denver - Denver, CO

National American University-Denver, 1325 S. Colorado Boulevard, Suite 100, Denver, CO 80222-3308. National American University-Denver is a small university located in Denver, Colorado. It is a private for-profit school with primarily 4-year or above programs and has 268 students. National American University-Denver has an associate's degree and a bachelor's degree program in Accounting which graduated two and zero students respectively in 2008.

College America-Denver - Denver, CO

College America-Denver, 1385 S Colorado Blvd., 5th Floor, Denver, CO 80222. College America-Denver is a small college located in Denver, Colorado. It is a private for-profit school with primarily 4-year or above programs and has 400 students. College America-Denver has a bachelor's degree program in Accounting which graduated three students in 2008.

Argosy University-Denver - Denver, CO

Argosy University-Denver, 1200 Lincoln St., Denver, CO 80203. Argosy University-Denver is a small university located in Denver, Colorado. It is a private for-profit school with primarily 4-year or above programs. It has 259 students and an admission rate of 56%. Argosy University-Denver has an associate's degree program in Accounting which graduated three students in 2008.

CERTIFICATIONS

Certified Forensic Accountant: Forensic accountants are professionals who use a unique blend of education and experience to apply accounting, auditing, and investigative skills to uncover truth, form legal opinions, and assist in investigations.

For more information, see the American College of Forensic Examiners website.

Associate in Premium Auditing: The Associate in Premium Auditing program provides a sold foundation in essential auditing, accounting, and insurance principles.

For more information, see the American Institute for CPCU and Insurance Institute of America website.

Risk Management for Public Entities: Understand the unique nature of the public sector.

For more information, see the American Institute for CPCU and Insurance Institute of America website.

Certified Treasury Professional Associate: We recognize the accomplishments of these full-time students who successfully completed the Corporate Treasury Management program at their college/university and passed the CTP exam to earn the Certified Treasury Professional Associate credential.

For more information, see the Association for Financial Professionals website.

Certified Fraud Examiner: The ACFE established and administers the Certified Fraud Examiner (CFE) designation.

For more information, see the Association of Certified Fraud Examiners website.

Certified Bank Auditor: The purpose of BAI Center for Certification - Certified Bank Auditor® (CBA) Continuing Professional Education (CPE) Program is to promote professional development and to provide a means for recognizing CBAs to keep current with industry changes or furthering their own development in banking, technology, auditing, or other disciplines that contribute to a CBA?s growth and development.

For more information, see the BAI Center for Certification website.

International Certificate in Banking Risk and Regulation: The role of risk management is becoming more important as both banks and supervisors around the world increasingly recognize that sound risk management practices are vital, not only for the success of individual banks, but also for the banking system as a whole.

For more information, see the Global Association of Risk Professionals website.

Certified IRA Services Professional: Applicable to financial services professionals who have dedicated IRA operational and technical experience.

For more information, see the Institute of Certified Bankers website.

Accredited Insurance Examiner: An Accredited Insurance Examiner (AIE) is awarded to insurance regulatory professionals who have been extensively trained in one of two primary fields of insurance regulation, Property and Casualty or Life and Health.

For more information, see the Insurance Regulatory Examiners Society website.

Certified Investment Management Analyst: The CIMA offers an intense educational experience focusing on asset allocation, manager search and selection, investment policy and performance measurement.

For more information, see the Investment Management Consultants Association website.

Economic Development Finance Professional: In NDC's EDFP Certification Program you will build the capacity to translate development opportunities into results for their communities.

For more information, see the The National Development Council website.

LOCATION INFORMATION: Thornton, Colorado

Thornton, Colorado
Thornton, Colorado photo by bonjourpeewee

Thornton is located in Adams County, Colorado. It has a population of over 113,429, which has grown by 37.7% over the last ten years. The cost of living index in Thornton, 94, is below the national average. New single-family homes in Thornton are priced at $176,300 on average, which is far less than the state average. In 2008, two hundred ninety-five new homes were constructed in Thornton, down from four hundred eighty-four the previous year.

The three big industries for women in Thornton are educational services, health care, and finance and insurance. For men, it is construction, professional, scientific, and technical services, and administrative and support and waste management services. The average commute to work is about 29 minutes. More than 19.9% of Thornton residents have a bachelor's degree, which is lower than the state average. The percentage of residents with a graduate degree, 4.8%, is lower than the state average.

The unemployment rate in Thornton is 6.3%, which is less than Colorado's average of 6.6%.

The percentage of Thornton residents that are affiliated with a religious congregation, 30.4%, is less than both the national and state average. The largest religious groups are the Catholic Church, the LDS (Mormon) Church and the Lutheran Church.