MORTGAGE EXAMINER ENTRY

DEPT OF INSURANCE AND FINANCIAL INSTITUTIONS

The Department of Insurance and Financial Institutions licenses, monitors, investigates, examines, and ensures the safety and soundness of regulated entities. The Department also helps resolve consumer complaints against financial-services and insurance entities; takes action in response to violations of law; encourages competition, innovation, and economic development; collects taxes and assessments that support State government operations; combats auto theft and insurance fraud through public awareness campaigns, and funding for law enforcement and dedicated prosecutors.

Our mission is to help Arizonans receive the benefits and protections to which they are legally entitled by enforcing insurance and financial institution laws by providing information and assistance and to combat vehicle theft.

Financial Enterprise Division

This position may offer the ability to work remotely, within Arizona, based upon the department's business needs and continual meeting of expected performance measures.

100 North 15th Avenue
Phoenix, AZ 85007

Salary: $55,000-$57,200

Grade: 20

Closing Date: 10/3/2025

The Mortgage Examiner Entry is expected to work independently, under direction, to perform professional work that follows procedures, techniques, rules and regulations in the examination and analysis of the conditions and overall operations of financial institutions/enterprises including conditions of credit, financial statements, internal controls, general operation and methods, trust operations, mortgage portfolios; applies and interprets state and federal laws, rules and regulations; establishes priorities and scope of examination and analysis; prepares and writes final reports of examination; conducts exit reviews with management and directors; calculates the institution's overall rating; investigates complaints received against licensees; and develops cases involving violations of law by licensees.

This position may offer the ability to work remotely, within Arizona, based upon the department's business needs and continual meeting of expected performance measures.

The State of Arizona strives for a work culture that affords employees flexibility, autonomy, and trust. Across our many agencies, boards, and commissions, many State employees participate in the State’s Remote Work Program and are able to work remotely in their homes, in offices, and in hoteling spaces. All work, including remote work, should be performed within Arizona unless an exception is properly authorized in advance.

• Examines records, accounts and securities portfolios of licensees; verifies that proper and lawful procedures are being followed, that securities are appropriate for licensee being examined and that loan portfolio is of such quality to be considered a bankable asset.

• Reviews financial documents used by licensees and verifies that financial accounting, controls and figures are in compliance with state and federal laws.

• Analyzes financial statements of licensees in order to make determinations on compliance with state and federal laws and regulations. Composes a consolidated statement of condition and report of income and expenses based on records, reports and accounts of licensees.

• Writes detailed reports based on examination, analysis and evaluation of data pertaining to specific licensees in accordance with applicable laws and regulations with established procedure and format.

• Evaluate and verify department files and other relevant data prior to examination of business records to determine scope of examination needed.

• Conducts field investigations relating to reported violations or irregularities in business or practice; interviews personnel, examines evidence and recommends actions. Consults with Unit Supervisor, presenting problems and questions, discussing plans and actions to be taken.

• Conducts exit reviews to explain the details of the examinations.

• Testifies in court or informal hearings as an expert witness.

• Other duties as assigned as related to the position.

• Investigative techniques and reporting procedures.
• Computerized products used in examining and accounting systems and use of microcomputers.

• Applying examining and accounting methods and techniques.
• Interpreting complex laws, rules and regulations.
• Applying federal and state laws, rules and regulations as they pertain to licensee's operations and activities.
• Researching, analyzing and interpreting complex financial data.
• Mathematical calculations.
• Using computerized products and microcomputer in the examination process.
• Using investigative methods and techniques and maintaining chain of evidence.
• Oral and written communications.
• Work management and leadership.
• Interpersonal relationships.
  

• Excellent oral and written communication skills to provide conclusions and work products to other examiners and financial licensee managers.
• Interpersonal skills to work well in a team environment and to interact with staff and management at various financial institutions.
• Be able to travel with overnight stays away from home base.

• Knowledge of State and Federal laws pertaining to the Mortgage Industry.
• Past experience and training in examination or investigative work related to Financial Institutions/Enterprises.
• Professional designations such as Certified Public Accountants or Certified Fraud Examiners.

AZ Driver's License

All newly hired State employees are subject to and must successfully complete the Electronic Employment Eligibility Verification Program (E-Verify).

Remote work is a management option and not an employee entitlement or right. An agency may terminate a remote work agreement at its discretion.

For a complete list of benefits provided by The State of Arizona, please visit our benefits page

• Positions in this classification participate in the Arizona State Retirement System (ASRS)

• Please note that enrollment eligibility will become effective after 27 weeks of employment

If you have any questions please feel free to contact Debbie Muhlestein @ debbie.muhlestein@difi.az.gov.