Senior Consumer Credit Examiner - Multiple Vacancies
About The Position
This professional services position involves licensing and examining mortgage lenders, sales finance companies, payroll processors, money transmitters, and consumer credit agencies to determine compliance with state consumer credit laws. The work includes reviewing credit files, evaluating transaction logs, and preparing detailed investigation summaries. The position is not supervisory and is performed under limited supervision. Representative work includes reviewing mortgage contracts and consumer loan files, investigating consumer complaints and recommending resolutions, writing reports, approving license applications and renewals, and testifying in administrative hearings. The role requires knowledge of practices in a regulated industry, audit procedures, bookkeeping, financial statement analysis, and basic laws governing consumer lending and collections, along with communication, planning, organization, and data-analysis skills.
Requirements
- One year of experience examining credit agency policies and practices.
- A bachelor's degree; comparable work experience may substitute for the education requirement on a year-for-year basis.
- Knowledge of standard practices in at least one regulated industry, such as mortgage lending, consumer banking, retail auto financing, debt collection, payroll processing, or money transmission.
- Knowledge of audit procedures, bookkeeping, and financial statement analysis.
- Familiarity with basic laws governing consumer lending and collections.
- Ability to communicate verbally and in writing.
- Ability to plan and organize and analyze data.
Nice To Haves
- Background in regulatory compliance, auditing, or administrative law enforcement, particularly for current or former state or federal employees.
- Advanced computer or data-analysis skills.
Responsibilities
- Review mortgage contracts and consumer loan files.
- Investigate consumer complaints and recommend resolutions.
- Write reports and detailed investigation summaries.
- Approve license applications and renewals.
- Testify in administrative hearings.
- Examine regulated entities to determine compliance with state consumer credit laws.
Benefits
- 13 paid holidays, 12 days of sick leave, and at least three weeks of vacation leave annually; vacation accrual increases with years of service, and overtime-exempt employees receive personal leave.
- The State pays 85%–100% of employee-only health insurance premiums, depending on salary.
- A 5% employee-only health insurance premium credit for participation, subject to program requirements.
- The State pays 100% of employee-only dental insurance premiums.
- State contribution of 14.06% of pay to the Maine Public Employees Retirement System.
- Gym membership reimbursement of up to $40 per month.
- Health and dependent care flexible spending accounts.
- Eligibility for Public Service Student Loan Forgiveness.
- Employee assistance program (Living Resources Program).
- Forty-two consecutive calendar days of fully paid parental leave for employees welcoming a child; additional unpaid leave may be available under the Family and Medical Leave Act.
- Voluntary deferred compensation through a MaineSaves 457(b) account.
- Additional wellness benefits for State employees.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
