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Career and Education Opportunities for Financial Examiners in Fargo, North Dakota

Financial examiners can find many career and educational opportunities in the Fargo, North Dakota area. The national trend for financial examiners sees this job pool growing by about 41.2% over the next eight years. Financial examiners generally enforce or ensure compliance with laws and regulations governing financial and securities institutions and financial and real estate transactions.

Financial examiners earn about $28 hourly or $58,720 annually on average in North Dakota and about $34 hourly or $70,930 per year on average nationally. Earnings for financial examiners are better than earnings in the general category of Accounting and Auditing in North Dakota and better than general Accounting and Auditing category earnings nationally. Financial examiners work in a variety of jobs, including: internal auditor, treasury analyst, and chief bank examiner.

The Fargo area is home to eight schools of higher education, including four within twenty-five miles of Fargo where you can get a degree as a financial examiner. Financial examiners usually hold a Bachelor's degree, so you can expect to spend about four years studying 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 Fargo 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.
  • 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.
  • Loan Counselor. Provide guidance to prospective loan applicants who have problems qualifying for traditional loans. Guidance may include determining the best type of loan and explaining loan requirements or restrictions.
  • 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.
  • Tax Examiner. Determine tax liability or collect taxes from individuals or business firms according to prescribed laws and regulations.

EDUCATIONAL OPPORTUNITIES: Financial Examiner Training

North Dakota State University-Main Campus - Fargo, ND

North Dakota State University-Main Campus, 1301 12th Avenue North, Fargo, ND 58108-6050. North Dakota State University-Main Campus is a large university located in Fargo, North Dakota. It is a public school with primarily 4-year or above programs. It has 13,229 students and an admission rate of 80%. North Dakota State University-Main Campus has a bachelor's degree program in Accounting which graduated two students in 2008.

Concordia College at Moorhead - Moorhead, MN

Concordia College at Moorhead, 901 S 8th St, Moorhead, MN 56562. Concordia College at Moorhead is a small college located in Moorhead, Minnesota. It is a private not-for-profit school with primarily 4-year or above programs. It has 2,823 students and an admission rate of 78%. Concordia College at Moorhead has a bachelor's degree program in Accounting which graduated three students in 2008.

Rasmussen College-Fargo - Fargo, ND

Rasmussen College-Fargo, 4012 19th Ave SW, Fargo, ND 58103-7196. Rasmussen College-Fargo is a small college located in Fargo, North Dakota. It is a private for-profit school with primarily 4-year or above programs and has 878 students. Rasmussen College-Fargo has one to two year, associate's degree, and bachelor's degree programs in Accounting which graduated two, thirty-eight, and zero students respectively in 2008.

Minnesota State University-Moorhead - Moorhead, MN

Minnesota State University-Moorhead, 1104 7th Ave S, Moorhead, MN 56563. Minnesota State University-Moorhead is a medium sized university located in Moorhead, Minnesota. It is a public school with primarily 4-year or above programs. It has 7,486 students and an admission rate of 80%. Minnesota State University-Moorhead has a bachelor's degree program in Accounting which graduated two students in 2008.


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.


Fargo, North Dakota
Fargo, North Dakota photo by Unimatic1140

Fargo is located in Cass County, North Dakota. It has a population of over 93,531, which has grown by 3.2% in the past ten years. The cost of living index in Fargo, 83, is well below the national average. New single-family homes in Fargo are priced at $139,800 on average, which is well below the state average. In 2008, four hundred four new homes were constructed in Fargo, down from four hundred forty-seven the previous year.

The top three industries for women in Fargo are health care, educational services, and finance and insurance. For men, it is construction, accommodation and food services, and educational services. The average commute to work is about 15 minutes. More than 34.4% of Fargo residents have a bachelor's degree, which is higher than the state average. The percentage of residents with a graduate degree, 9.5%, is higher than the state average.

The unemployment rate in Fargo is 3.5%, which is greater than North Dakota's average of 3.2%.

The percentage of Fargo residents that are affiliated with a religious congregation, 56.8%, is more than the national average but less than the state average. The most common religious groups are the Evangelical Lutheran Church in America, the Catholic Church and the United Methodist Church.

Fargo is home to the Elm Tree Square and the Market Square as well as Roosevelt Playground and Oak Grove Park. Shopping malls in the area include Valley North Mall, Northport Mall and West Acres Shopping Center. Visitors to Fargo can choose from Rodeway Inn Fargo, Wingate Inn and Sleep Inn Fargo for temporary stays in the area.