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Learning Pathways Tool for Non-Depository Examiners

Learning Pathways Tool for Non-Depository Examiners. Explore your options…. Select an option below to explore job analyses, requirements, certifications, skill gap training options, and more…. 0.0 : Entry Level Examiners and Trainees 1.0 : First Level Examiners (CME)

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Learning Pathways Tool for Non-Depository Examiners

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  1. Learning Pathways Toolfor Non-Depository Examiners Explore your options…

  2. Select an option below to explore job analyses, requirements, certifications, skill gap training options, and more… 0.0: Entry Level Examiners and Trainees 1.0: First Level Examiners (CME) 2.0: Second Level Investigators/Examiners (CMI) 3.0: Third Level Examiners (CSME) 4.0: Fourth Level Examiners (CMME) 5.0: Fifth Level+ Examiners (CMEM) (Click the icon to return to this homepage)

  3. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Schedule Training (All Others) Your level of proficiency Your level of experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you are… • Newly hired by a state regulatory agency • Just out of college • And you have… • Little or no exposure to the examination process • And you would like to… • Jump start your knowledge of non-depository examinations • Expand your knowledge of federal, state, and local regulations • Improve your professional standing in the regulatory ranks • And your goal is… • Promotion to the next level within your agency • Certification …you are at the right place. Click the navigation tabs above to discover the steps you need to take to reach your training and development goals

  4. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Schedule Training (All Others) Your level of experience CE/Other Training Options On-the-job experience Your level of proficiency Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options As a new employee, the department’s expectations are that you have the basic building blocks to become an effective examiner of non-depository institutions. You will gain those skills through on-the-job experience and formalized training. Below are the competencies expected of an examiner after one year on the job; you will be expected to have satisfactory skills in all areas with minimal supervision. CLICK EACH COMPETENCY TO VIEW TRAINING OPTIONS TO ADDRESS SKILL GAPS

  5. 0.0: State Professional Trainee, Examiner Trainee Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • You should have: • Basic knowledge of the mortgage industry and other areas of compliance currently regulated by your agency; an understanding of the impact of the 2008 mortgage industry collapse • Basic knowledge of current state and federal regulations • Basic research and analytical skills • Excellent verbal and written communication skills • Excellent organization skills and attention to detail • Willingness to accept new challenges These skills should be present in the candidate upon hire and after a four year college degree • Your tasks MAY include: • Handling consumer complaints • Ensuring licensees are compliant and implementing fair practices • Review and analysis of mortgage loan disclosures, notes, and otherloan documents • Review of agency’s detailed written reports of deficiencies • Analyzing loan files • Testing whether proper disclosures are being submitted to consumers • Reporting of corrective actions needed for compliance Onboarding, formal orientation, and on-the-job training under the guidance of experienced examiners should be used to develop these skills, along with formal classroom training (see other training options tab)

  6. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency CE/Other Training Options On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options CSBS Day One Mortgage Examiner Training Other options to consider: FDIC Introduction to Compliance Examinations NACCA Examiner School AARMR Examiner School CFPB Lending Principles(see Schedule Training tab for more information)

  7. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • Talk to your supervisor and training department about available formal classroom training on the basics as soon as you start your new job. These skills are the building blocks of a successful examiner career! • General on-boarding and new hire orientation • Department mission, goals, and objectives • Department policies and procedures • Technical training • Basic terminology • Introduction to report of examination, required regulatory reports, off-site monitoring • Consumer compliance laws and regulations • Self-study • Read and study various reference materials including: your agency’s manual of examination policies and procedures; departmental reports and memoranda; FDIC’s Compliance Examination Manual; CFPB’s Supervision and Examination Manual; Federal Reserve’s Commercial Bank Examination Manual

  8. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (All Others) • Certification • Certification Options CSBS Day One Mortgage Examiner Training CLICK This Day One course is required for promotion to examiner and in order to apply for the basic mortgage certification credential. It is an on-demand course – you may enroll at any time and take as much time as you need to complete it. Remember, your supervisor and training department should be consulted before you enroll in any training event. Additional CSBS training is available at https://www.csbs.org/calendar-events or discuss the CSBS online training platform with your training coordinator or supervisor. Day One content questions or registration assistance: Hannah Duffy (hduffy@csbs.org; 202-558-6098).

  9. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • Enrollment in AARMR, NACCA, MTRA, and CFPB training is managed through your agency’s training department. Consult with your supervisor or training coordinator to register for available training. • NASCUS provides free online training to all state regulatory personnel through its NASCUS Online University. Contact brian@nascus.org to enroll. • CSBS co-sponsors AARMR training and advertises NASCUS, NACCA and MTRA training at its Calendar of Events. If your event is not listed, visit the association training/education website for more information: • http://www.aarmr.org/training-school • http://www.naccaonline.org/ • https://www.mtraweb.org/education/ • https://nascus.org/education-training/index.php

  10. 0.0: State Professional Trainee, Examiner Trainee Skills/Tasks required in Year 1 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification New examiners must complete one year on-the-job in order to qualify for certification. In addition, Step 1 in the mortgage credentialing program, the Certified Mortgage Examiner designation, requires completion of the CSBS Day One Mortgage Examiner Examiner Training or an equivalent. Click the CME icon to review all other requirements. Questions? Contact Rose Shaheen, CSBS’s certification program director, at202-728-5710 or send an email to certification@csbs.org.

  11. Competency 1: TECHNICAL In-house and OTJReview CFPB and FDIC examination manuals and other reference materials BACK TO COMPETENCIES

  12. Competency 2: CONCEPTUAL BACK TO COMPETENCIES

  13. Competency 3: LEGAL/COMPLIANCE BACK TO COMPETENCIES

  14. Competency 4: HUMAN RELATIONS CSBS Day One Mortgage Examiner Training BACK TO COMPETENCIES

  15. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Schedule Training (All Others) Your level of proficiency Your level of experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you have… • One year of service as a non-depository examiner • And you would like to… • Increase your OTJ experience • Gain experience on examinations resulting in enforcement action referrals • Refine your analytical skills • Expand your knowledge of rapidly changing non-depository or consumer compliance regulation • Enhance your professional standing in the regulatory ranks • And your goal is… • Promotion to the next level within your agency • Become certified or upgrade your existing certification …you are at the right level. Click the navigation tabs above to discover the steps you need to take to reach your training and development goals.

  16. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Schedule Training (All Others) Your level of experience CE/Other Training Options On-the-job experience Your level of proficiency Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options Below are the competencies expected of an examiner after one year on the job; satisfactory skills in all areas with minimal supervision is mandated for certification. SKILL GAP? CLICK EACH COMPETENCY FOR TRAINING OPTIONS TO IMPROVE YOUR KSAs

  17. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Skills/Tasks req’d after Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • You should have: • Increasingly refined analytical abilities and research skills • Increasing familiarity with • Legal aspects • Report preparation • Rapidly evolving mortgage industry conditions and trends • Increased initiative, judgment, and ability to work without supervision • Increasingly proficient in discussions with mortgage providers • Increased responsibility for training of new examiners At this level an examiner is still “learning by doing”, under the supervision of more experienced examiners • Your tasks MAY include: • Reviewing and processing NMLS license applications and renewals • Conducting interviews • Investigating licensee records • Reviewing loan files • Addressing alleged violations with licensees • Preparing examination reports and billing • Coordinating resolutions and actions with state attorney general’s office • Serve on CSBS working groups • Perform duties at next level for training purposes Skill gaps may be addressed through departmental training and orientation, RegU courses, Rapid Response, and Ask the Fed topical training (click other training options tab for more info)

  18. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options CLICK CSBS Effective Meetings with Management School OR CLICK AARMR Examiner Training School OR CLICK AARMR Annual Regulatory Conference OR CLICK AARMR Compliance Conference

  19. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you are a Certified Mortgage Examiner, you must submit 63 training hours over the three-year certification term. Participate in the following training in order to keep your certification in good standing and to prepare for the next level certification: • CSBS Calendar of Events • NMLS Annual Conference & Training • Non-Depository Association training • http://www.aarmr.org/training-school • http://www.naccaonline.org/ • https://www.mtraweb.org/education/ • https://nascus.org/education-training/index.php • CSBS RegU courses • Contact your training department for enrollment information • Email kchancy@csbs.org for the complete RegU course catalog • Federal Reserve’s Ask the FedandRapid Responsewebinars • State bank association training on emerging issues • Check with your local organization for training options • Department training on current events, emerging issues, regulatory updates, etc. • Contact your training department for more information

  20. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (All Others) • Certification • Certification Options Additional CSBS training is available at https://www.csbs.org/calendar-eventsor discuss the CSBS online training platform with your training coordinator or supervisor. Content questions or registration assistance: Kim Chancy (kchancy@csbs.org; 202-802-9554)

  21. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • Federal agency and association training options: • Federal Reserve’s Real Estate Lending Seminar • NACCA Consumer Services/Examiner School • AARMR Advanced Examiner and Fraud Schools • Enrollment in training is managed through your agency’s training department. Consult with your supervisor or training coordinator to register for available training.

  22. 1.0: Examiner I / Examiner II / Consumer Credit Examiner / Mortgage Lending Examiner / Compliance Examiner / Consumer Licensing Investigator Skills/Tasks req’d after Year 1 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification Examiners who have completed one year on-the-job and at least 36 hours of core instructor-led classroom training may apply for the Certified Mortgage Examiner (CME) credential. Click the CME icon to view all requirements for this designation. Questions? Contact Rose Shaheen, CSBS’s certification program manager, at 202-728-5710 or send an email to certification@csbs.org.

  23. Competency 1: TECHNICAL Training options In-house and OTJReview CFPB and FDIC examination manuals and other reference materials Work with an EIC in your agency MentoringRegU courses on time management/prioritization BACK TO COMPETENCIES

  24. Competency 2: CONCEPTUAL RELET • AARMR Examiner School NACCA Examiner School BACK TO COMPETENCIES

  25. Competency 3: LEGAL/COMPLIANCE BACK TO COMPETENCIES

  26. Competency 4: HUMAN RELATIONS BACK TO COMPETENCIES

  27. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Schedule Training (All Others) Your level of proficiency Your level of experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you have… • Two years of service as a non-depository examiner/investigator • And you would like to… • Increase your OTJ experience • Expand your knowledge of non-depository or consumer compliance regulation • Enhance your professional standing in the regulatory ranks • And your goal is… • Promotion to the next level within your agency • Become certified or upgrade your existing certification …you are at the right level. Click the navigation tabs above to discover the steps you need to take to reach your training and development goals.

  28. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Schedule Training (All Others) Your level of experience CE/Other Training Options On-the-job experience Your level of proficiency Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options Below are the competencies expected of an examiner after two years on the job; satisfactory skills in all areas with minimal supervision is mandated for certification. SKILL GAP? CLICK EACH COMPETENCY FOR TRAINING OPTIONS TO IMPROVE YOUR KSAs

  29. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Skills/Tasks req’d after Year 2 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • You should have: • Well-developed analytical abilities • Excellent investigative skills and ability to develop conclusions • Increasing familiarity with • Legal aspects • Report preparation • General mortgage industry conditions and trends • High level of initiative, judgment, productivity, and an abilityto work independently • Proficiency in discussions with mortgage providers • Increased responsibility for training of new examiners At this level an examiner may be working under the supervision of more experienced examiners or on his/her own • Your tasks MAY include: • Conducting interviews and exit conferences • Investigating licensee records • Reviewing loan files • Addressing alleged violations with licensees • Preparing, writing, and presenting violations and examination reports in a clear, concise, and effective manner • Coordinating resolutions and actions with state attorney general’s office • Reviewing and processing NMLS license applications and renewals • Serve on CSBS working groups • Perform duties at next level for training purposes Skill gaps may be addressed through departmental training and orientation, RegU courses, and Rapid Response and Ask the Fed topical training (click other training options tab for more info)

  30. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options CLICK CSBS Effective Meetings with Management School AARMR Examiner Training Schools including Financial Analysis for Examiners and Risk Identification and Communication in the Examination Process CLICK CLICK AARMR Annual Regulatory Conference CLICK AARMR Compliance Conference ACFE Global Fraud Conference CLICK ACFE courses on electronic financial fraud investigation CLICK

  31. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you hold the Certified Mortgage Examiner credential, you must submit 63 training hours over the three-year certification term. Participate in the following training in order to keep your certification in good standing and to prepare for the next level certification: • CSBS Calendar of Events • NMLS Annual Conference & Training • Intermediate IT & Cybersecurity Training • Senior School • Non-Depository Association training • http://www.aarmr.org/training-school • http://www.naccaonline.org/ • https://www.mtraweb.org/education/ • https://nascus.org/education-training/index.php • https://www.acfe.com/training-events.aspx • CSBS RegU courses • Contact your training department for enrollment information • Send an email to kchancy@csbs.org for the complete RegU course catalog • Federal Reserve’s Ask the FedandRapid Responsewebinars • Department training on current events, emerging issues, regulatory updates, etc. • Contact your training department for more information

  32. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (All Others) • Certification • Certification Options • In order to apply for the CMI certification, you must complete 72 hours of instructor-led, classroom mortgage training (36 hours basic, 36 hours advanced). Examples of this training are: • AARMR’s compliance schools • Federal Reserve Real Estate Lending Examination Techniques (RELET) School and • NCUA Fraud School/Seminar • Remember, your supervisor and training department should be consulted before you enroll in any training event. • Additional CSBS training is available at https://www.csbs.org/calendar-eventsor discuss the CSBS online training platform with your training coordinator or supervisor. Content questions or registration assistance: Kim Chancy (kchancy@csbs.org; 202-802-9554).

  33. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • Federal agency and association training options: • Federal Reserve’s Real Estate Lending Seminar • NACCA Consumer Services/Examiner School • AARMR Advanced Examiner and Fraud Schools • Enrollment in training is managed through your agency’s training department. Consult with your supervisor or training coordinator to register for available training.

  34. 2.0: Examiner / Consumer Credit Examiner / Consumer Licensing Investigator / Chief Investigator Skills/Tasks req’d after Year 2 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification Examiners who have completed two years on-the-job and at least 72 hours of instructor-led classroom training on basic and advanced mortgage fraud and/or examination concepts may apply may apply for the Certified Mortgage Investigator (CMI) credential. Click the CMI icon to view all requirements for this designation. If you already hold the CMI certification and wish to apply for the CSME credential, you must complete an additional year of on-the-job training. Click the CSME icon to view this certification’s complete requirements. Questions? Contact Rose Shaheen, CSBS’s certification program manager, at 202-728-5710 or send an email to certification@csbs.org.

  35. Competency 1: TECHNICAL BACK TO COMPETENCIES

  36. Competency 2: CONCEPTUAL • Shadow an EIC in your agency • In-house policies & procedures training • Review sample reports RELET • AARMR Examiner and Fraud Schools • CSBS Fraud Identification School CFPB Fair Lending Examination Techniques BACK TO COMPETENCIES

  37. Competency 3: LEGAL/COMPLIANCE BACK TO COMPETENCIES

  38. Competency 4: HUMAN RELATIONS BACK TO COMPETENCIES

  39. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Schedule Training (All Others) Your level of proficiency Your level of experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you have… • Two-three years of service as a non-depository examiner • And you would like to… • Increase your OTJ experience to include consumer credit and multistate mortgage examination activities • Expand your participation in special examinations or investigations involving fraud and misrepresentations • Enhance your professional standing in the regulatory ranks • And your goal is… • Promotion to the next level within your agency • Professional development • Certification or upgrade your existing certification …you are at the right level. Click the navigation tabs above to discover the steps you need to take to reach your training and development goals.

  40. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Schedule Training (All Others) Your level of experience On-the-job experience Your level of proficiency Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options Below are the competencies expected of an examiner after a few years on the job; satisfactory skills in all areas with minimal supervision is mandated for certification. SKILL GAP? CLICK EACH COMPETENCY FOR TRAINING OPTIONS TO IMPROVE YOUR KSAs

  41. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Skills/Tasks req’d after Year 3 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) CE/Other Training Options • Certification • Certification Options • You should have: • Well-developed analytical abilities • Moderate to high level of knowledge regarding laws, rules, and regulations governing non-depository compliance • Moderate to high level of familiarity with general mortgage conditions and trends • Proficient in discussions with mortgage providers and servicers • High level of organization, initiative, judgment, and ability to work independently • Ability to delegate work, define goals, and properly coordinate with and manage an examination team on single-state and multi-state examinations In-house and OTJ training are your good options for advancing your examination skills – discuss with your supervisor or training coordinator CSBS and AARMR technical and specialty training will improve your ability to perform these specific exam tasks – click the Schedule tabs above for more info • Your tasks MAY include: • Preparation of reports of examination, including violations and the appropriate corrective and enforcement actions • Providing mortgage providers with clear and concise examination findings and methods to cure potential problems • Evaluation of operational and financial activities of larger, complex interstate mortgage providers • Engaging in specialty examination training • Assisting with training of less experienced examiners • Participation in legislative proposals • Service on CSBS committees and/or SME teams and working groups

  42. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options CSBS Senior School (see Schedule CSBS Training tab) CLICK AARMR Advanced Examiner School CLICK AARMR Fraud School CLICK Real Estate Lending Seminar

  43. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • If you hold the Certified Senior Mortgage Examiner credential, you must submit 63 training hours over the three-year certification term. Participate in the following training in order to keep your certification in good standing: • CSBS Calendar of Events • NMLS Annual Conference & Training • EIC/SPOC Debrief and Planning (CSBS/CFPB) • AARMR Examiner Training Schools • CFPB ongoing examiner training • CSBS RegU courses (contact your training director for enrollment information). Send an email to kchancy@csbs.org for the complete RegU course catalog. • Federal Reserve’s Ask the FedandRapid Responsewebinars • Mortgage Bankers Association training on emerging issues • Interdepartmental training on current events, emerging issues, regulatory updates, etc.

  44. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Schedule Training (All Others) Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (All Others) • Certification • Certification Options Senior School CLICK Senior School is designed to meet the specific leadership training needs of state financial regulators who are rising into supervisory and/or management positions within their departments, serve as an examiner-in-charge in the field, or currently hold a managerial position within the agency. The behavioral science and management techniques presented are developed and honed each year to apply to the skills necessary for leadership roles within financial regulatory industry and beyond. Remember, your supervisor and training department should be consulted before you enroll in any training event. Additional CSBS training is available at https://www.csbs.org/calendar-eventsor discuss the CSBS online training platform with your training coordinator or supervisor. Content questions and registration assistance: Kim Chancy (kchancy@csbs.org; 202-802-9554).

  45. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Certification Options • A state-sponsored leadership training program, when pre-approved by CSBS staff, is an acceptable alternative to the CSBS Senior School. • The Graduate Schools of Banking (CO, WI, LA) are also acceptable. • Enrollment in graduate school is managed through your agency’s training department. Consult with your supervisor or training coordinator to register for available training.

  46. 3.0: Examiner III-IV / Mortgage Lending Examiner / Consumer Division Supervisor / Consumer Finance Examiner-Investigator / Supervisory Examiner / Investigative Examiner / Senior Examiner Skills/Tasks req’d after Year 3 Your level of experience Your level of proficiency On-the-job experience On-the-job experience Proficiency Level for Core Competencies Sample Skills/Tasks required in Year 1 Training required to reach next level CE/Other Training Options CE/Other Training Options Schedule CSBS Training Schedule Training (CSBS) Schedule Training (All Others) • Certification • Examiners who have completed • 56 hours of instructor-led classroom training on advanced examination techniques and • A minimum of 3 years of on-the-job experience in a state regulatory agency may apply for the Certified Senior Mortgage Examiner designation. Click the CSME icon or visit the CSME certification pageto view all requirements for this credential. Questions? Contact Rose Shaheen, CSBS’s certification program manager, at 202-728-5710 or send an email to certification@csbs.org.

  47. Competency 1: TECHNICAL Inhouse examination manuals Agency supervisory training CFPB and FDIC exam manuals Advanced AARMR examiner training BACK TO COMPETENCIES

  48. Competency 2: CONCEPTUAL BACK TO COMPETENCIES

  49. Competency 3: LEGAL/COMPLIANCE BACK TO COMPETENCIES

  50. Competency 4: HUMAN RELATIONS BACK TO COMPETENCIES

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