Academic journal article ABA Banking Journal

Who Examines the Examiners?

Academic journal article ABA Banking Journal

Who Examines the Examiners?

Article excerpt

Who examines the examiners?

Few bankers would argue that regulatory examinations are not necessary. Some even say they find them helpful. But most still grumble during and after the exercise.

The Texas Bankers Association has come up with a way of formalizing those grumbles--and the compliments. Regulators' "CAMEL." The association introduced an examiner evaluation program last year. The program entails bankers rating the performance of the examination team and the lead examiner in six categories. They do so after receiving the final report from state or federal examiners. This regulatory version of bank "CAMEL" ratings asks the bankers to score the regulators for: communication skills; overall banking knowledge; professionalism and courtesy; analytical skills; knowledge of the bank's market; and general attitude.

Texas bankers's response to the association's program has been enthusiastic, according to Robert Harris, executive vice-president of the association. Harris ran a similar program for the Oklahoma Bankers Association when he headed that group. He found that in both states, bankers' ratings are often positive.

"A highly professional crew with a good understanding of banking" is a typical comment, according to Harris. The two-page evaluation form allows for both numerical ratings (1 to 5, with 1 the highest) and additional commentary.

There are also complaints. …

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