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Retail Credit Supervision

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Retail credit examiners/specialists review banks’ and federal thrifts’ consumer lending portfolios, and evaluate policies, processes and risk management practices associated with those portfolios. Examiners perform these activities in order to assess the level of retail credit risk within the institution and determine how bank management measures, monitors, and controls that risk.

The Office of the Comptroller of the Currency (OCC) has retail credit examiner/specialist opportunities in Large Bank Supervision, Midsize and Community Bank Supervision, and at headquarters in the Chief National Bank Examiner’s Office. Each of these divisions offers a challenging work environment and strong opportunity for professional growth.

Large Bank Supervision

Large banks supervised by the OCC generally have assets of $50 billion to $3 trillion, with examination teams in cities across the country. Retail credit banking examination work in Large Bank Supervision can be exceptionally challenging and exceptionally rewarding, as examiners/specialists have significant opportunities to develop and expand their skills in a variety of complex business and product types, as well as to interact with bank personnel who are experts in their field.

Midsize and Community Bank Supervision

Midsize and community banks supervised by the OCC are in cities throughout the United States. Bank examiner/specialist positions for these institutions, which range in size from the smallest community banks to banks with assets up to $50 billion, are in cities where the OCC maintains field offices. Many midsize and community banks have complex and varied operations, particularly with regard to retail credit services, as well as the customers and geographies they serve, which require commensurate examination skills.

Chief National Bank Examiner’s Office

The Chief National Bank Examiner’s Office (CNBE) is located at OCC headquarters in Washington, D.C. The CNBE office develops and interprets supervisory policies to address sound practices and emerging risks and provides on-site and off-site examination support. The CNBE office also interacts with the other federal banking agencies to develop consistent examination procedures and supervisory approaches. Retail credit specialists in the CNBE office may also have the opportunity to represent the OCC, speaking for the agency at national and local banker meetings and trade association conferences.

If you are highly competent in retail credit with a proven ability to identify and resolve problems, you should consider a retail credit supervision career with the OCC.

Meet Our People


Gregory National Bank Examiner Cleveland, Ohio
Julie National Bank Examiner Birmingham, Ala.
Brittany Associate National Bank Examiner Washington, D.C.
Larry Associate National Bank Examiner Washington, D.C.
Jim National Bank Examiner San Francisco, Calif.
Kathy National Bank Examiner Houston, Texas