Consumer Credit Examiner - Gardiner, United States - State of Maine

State of Maine
State of Maine
Verified Company
Gardiner, United States

2 weeks ago

Mark Lane

Posted by:

Mark Lane

beBee recruiter
Description

Department of Professional and Financial Regulation (and Boards) - Bureau of Consumer Credit Protection:


Job Class Code: 0345**
Grade: 20 (Professional/Technical)

Salary:
$41,766 - $56,076

Location:

Gardiner, ME:

Opening Date:

May 13, 2024**:

Closing Date:

May 28, 2024:


Do you want to be part of a team that helps to protect consumers from predatory lending practices and ensure that creditors are treating Mainers fairly? If you have experience working in a financial industry such as a bank, credit union, mortgage company, debt collection company, general finance, or other areas of credit, you could be considered for this entry-level professional government position.

The work involves the licensing and/or examinations of various companies and individuals that lend money and collect.

Some of the work may involve reviewing criminal background reports and credit reports, looking at consumer finance agreements, and ensuring consumers' personal information is properly safeguarded.


Agency Information:


  • The Bureau of Consumer Credit Protection was established to protect the citizens of Maine from unfair and deceptive practices with respect to consumer loans, credit sales and debt collection. A primary responsibility of the agency is to protect Maine consumers through implementation of the Maine Consumer Credit Code, and other laws such as Truth in Lending, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act._
  • The agency is responsible for overseeing nonbank consumer lenders and creditors, as well as companies and individuals that are involved in other financial areas. Some of these areas include mortgage companies, mortgage loan originators, debt collectors, repossession companies, credit reporting agencies, sales finance companies, money transmitters, car dealerships (with respect to financing agreements), renttoown companies, pawnbrokers, and many more._

_ Primary responsibilities include:
_

  • Evaluates credit and lending contracts, disclosures, and financial information to check for compliance with State and Federal regulations.
  • Analyzes credit reports and criminal background reports.
  • Reviews regulatory actions, consumer complaint information, and prior examination records to make recommendations and determinations of new and renewing applicants.
  • Prepares reports and gathers statistical information.
  • Communicates with credit and lending companies and provides explanations and offers guidance to ensure compliance.

_ Minimum qualifications:
_


A four (4) year combination of experience and/or education in consumer credit field, e.g., compliance, economic, legal, paralegal or accounting education or background; employment in the lending or retail credit-granting field; or other related education or occupation.


  • Knowledge of the Maine Consumer Credit Code and other laws under the jurisdiction of the Bureau.
  • Knowledge of accounting and auditing principles, practices, and procedures.
  • Ability to analyze loan and credit sale transactions.
  • Ability to communicate effectively orally and in writing.

_ Contact information:
_

_ Application Instructions:
_

_ Benefits of working for the State of Maine:_


No matter where you work across Maine state government, you find employees who embody our state motto—"Dirigo" or "I lead"—as they provide essential services to Mainers every day.

We believe in supporting our workforce's health and wellbeing with a valuable total compensation package, including:

-
Work-Life Balance
  • Rest is essential. Take time for yourself using
    13 paid holidays,
    12 days of sick leave, and
    3+ weeks of vacation leave annually. Vacation leave accrual increases with years of service, and overtimeexempt employees receive personal leave.
-
Health Insurance Coverage
  • The State of Maine pays
    85%100% of employeeonly premiums ($10,150.80$11,942.16 annual value), depending on salary. Use this chart to find the premium costs for you and your family, including the percentage of dependent coverage paid by the State.
-
Health Insurance Premium Credit
  • Participation decreases employeeonly premiums by 5%. Visit the Office of Employee Health and Wellness for more information about program requirements.

-
Dental Insurance
  • The State of Maine pays 100% of employeeonly dental premiums ($350.40 annual value).

-
Retirement Plan
  • The State of Maine contributes
    13.41% of pay to the Maine Public Employees Retirement System (MainePERS), on behalf of the employee.
-
Gym Membership Reimbursement
  • Improve overall health with regular exercise and receive up to $40 per month to offset this expense.
-
Health and Dependent Care Flexible Spending Accounts
  • Set aside money pretax to help pay for outofpocket health care expenses and/or daycare expenses.
-
Public Service Student Loan Forgiveness
  • The State of Maine is a qualified employer for this federal program. For more infor
More jobs from State of Maine
See all jobs of State of Maine