Senior Consumer Credit Examiner - Multiple Vacancies

State of Maine•Gardiner, ME

4d•Onsite

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.

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, 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 businesses to determine compliance with state consumer credit laws.

Benefits

13 paid holidays, 12 days of sick leave, and more than three weeks of vacation leave annually; vacation accrual increases with service, and overtime-exempt employees receive personal leave.
State contribution of 85%–100% of employee-only health insurance premiums, depending on salary.
A 5% employee-only health insurance premium credit for program participants.
State-paid employee-only dental insurance premiums.
State contribution of 14.06% of pay to MainePERS.
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 through the Living Resources Program.
42 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.