As agencies shrink and more examiners retire, banks are increasingly dealing with new or less-experienced examiners who don’t know the institution or its history. That’s shifting exams away from relationship-based conversations toward a more transactional, documentation-heavy process.
For community banks, this means being more deliberate. Preparation needs to be tighter, and recent changes need to be spelled out. At the same time, less consistency across exam teams may create some uncertainty. The upside is a chance to reset the relationship and shape how your bank is viewed from the start.
How are you preparing for less experienced or rotating exam teams? Who owns the examiner relationship internally, and is that still the right structure? Have you clearly reframed your bank’s story since the last cycle?