Financial Credit Examiner I
Financial Credit Examiner I
Posted on :
08-08-2025
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1 Vacancy
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Yearly Salary
$ 61812 - 78000
Vacancy
1 Vacancy
Posted on :
08-08-2025
Job Description
Department Information
Find a rewarding career making a difference: Join the Office of the Attorney General!
A Financial Credit Examiner career is a great opportunity for a professional with a passion for public service and a drive to protect consumers and ensure compliance with consumer credit protections. This position examines lenders retail sale companies sales finance businesses and rent to own companies include car dealers and personal loan companies for compliance with the Colorado Uniform Consumer Credit Code and other federal regulations such as the Truth in Lending Act. If youre interested in joining a collaborative team of public servants apply today!
WHO WE ARE
The Office of the Attorney General/Department of Law is the Peoples Lawyer. The Attorney General Phil Weiser was elected by the people of Colorado and is the States chief lawyer and law enforcement official. Our vision for the Department of Law is: Together we serve Colorado and its people advancing the rule of law protecting our democracy and promoting justice for all. Our core values and commitment to diversity equity and inclusion drive our actions and demonstrate our focus on being principled public servants who are innovative and better together.
Visit our website to learn more: of JobThis position is open only to residents of Colorado.
The Consumer Credit Unit exists to enforce the Colorado Uniform Consumer Credit Code (UCCC) the Deferred Deposit Loan Act (DDLA) the Colorado Consumer Equity Protection Act (CCEPA) the Colorado Rental Purchase Agreement Act (RPAA) the Credit Services Organization Act (CSOA) the Colorado Uniform Debt Management Services Act (DMSA) the Colorado Fair Debt Collection Practices Act (CFDCPA) and the Colorado Student Loan Equity Act (CSLEA). The work unit licenses registers examines and investigates creditors and other companies for compliance and protects consumers from unlawful actions.
WHAT YOU WILL DOThis position serves to investigate and examine potential violations of Colorado Uniform Consumer Credit Code (CUCCC) Colorado Rental Purchases Agreement Act (RPAA) Federal Truth in Lending Act (TILA) and related state and federal statutes. These duties include but are not limited to preparing and conducting compliance examinations of retail sales rent to own sales finance and supervised lending companies (collectively creditors) in addition to the other regulated entities that the CCU may regulate. The exams are conducted on site in the field and off site through mail and digital means.
The examiner prepares examination reports conducts licensing investigations and communicates with notifiers and licensees and other external parties as addition they will review documents related to consumer complaints official inquiries and emergent consumer credit issues.
TheFinancial Credit Examiner I works under the direction and supervision of the Financial Credit Examiner IV to perform the following duties:
Conduct Compliance Examinations- Examine regulated creditors financial records reports and policies to ensure businesses abide by relevant statutes rules regulations and principles of lending regulation
- Use complex financial calculators and software to calculate application if interest timing of disclosures accuracy of applicable interest rates and other financial calculations to ensure compliance with relevant statutes rules and regulations.
- Work with Financial Credit Examiner to prioritize examinations based on a prior compliance history consumer complaint data information received from other state regulators and federal policymakers risks to consumers and CCU examination history
- Coordinates in-person and mail-in compliance examinations while ensuring that examinations are completed accurately timely and consistently
- Contact creditors requests consumer account data correspondence/communication records and selects files to be reviewed
- Follow up on overdue examination responses and recommends action to the Financial Credit Examiner for failure to respond
- Work with the Financial Credit Examiner IV and other Unit examiners as needed to complete complex examinations
- Assist Financial Credit Examiner IV in determining whether isolated or systemic violations of law have occurred through an exam report summarizing findings and additional meetings to discuss when necessary.
- Draft and assist in drafting examination reports
- Prepare memos for Deputy Administrator requesting additional legal analysis or legal action for Financial Credit Examiner IV review
- Coordinate with Financial Creditor Examiner IV Deputy Administrator and legal enforcement staff to provide assistance during litigation such as written memos analysis of spreadsheets or restitution calculations
- Coordinate with Financial Creditor Examiner IV to formulate public and stakeholder outreach where results of exams reveal systemic issues
- Recommend changes to examination processes correspondence and documentation
- Assist in reviewing consumer complaint documents in coordination with Complaint Intake Coordinator
- Identify potential violations of applicable statutes and rules while reviewing documentation submitted with consumer complaints
- Determine whether misrepresentations and deceptive acts may have occurred by working with other Consumer Credit Unit (CCU) staff and CCEU staff
- Coordinate with Financial Credit Examiner IV and CCEU to provide assistance during litigation and/or attorney led investigations
- Provide assistance in the initial and final processing of licensing applications and renewals such as initial intake process and final review of applications and renewals
- Recommend adjustments or changes to licensing applications forms or investigation procedures
- Assist on complex investigations
- Prepare exhibits as requested by Assistant Attorney Generals
- Evaluate compliance with discovery requests
- Testify in hearings
- Administrative tasks related to regulatory work
This recruitment may be used to fill other highly similar positions at the Department of Law Consumer Protection Section.Minimum Qualifications Substitutions Conditions of Employment & Appeal Rights
WHAT WE ARE LOOKING FOR
Minimum Qualifications and Substitutions:Please document all relevant experience in detail on your application. Experience will not be inferred or assumed. Any part-time experience listed will be prorated.- Five years of professional experience in consumer finance auditing and regulatory analysis and other closely related duties.
- Bachelors degree from an accredited institutionANDone year of professional experience in consumer finance auditing regulatory analysis and other closely related duties.
- Masters in public administration business administration economics or accounting/finance.
If substituting education for experience transcripts must be provided. Candidates possessing a foreign degree must submit a translation (evaluation) of their degree from an accredited institution such as The National Association of Credential Evaluations Services in order to be given credit for the degree.
Preferred Qualifications:In addition to the minimum qualifications if you possess any of the following specifically include the details on your application as this information will be used to assess your qualifications and may be used to determine a top group of applicants.- Strong analytical skills
- Audit certification
- Demonstrated strong writing reviewing and editing skills
- Professional experience with report writing
- Experience conducting compliance exams
- Experience in interpreting and analyzing statutes regulations and proposed legislation
- Strong interpersonal skills and ability to communicate effectively with the public and regulated entities
- Professional demeanor
- Demonstrated commitment to public service
- Relevant State of Colorado work experience
- Experience applying the Truth in Lending Act (Regulation Z)
- Requires proficiency with MS Office Suite
- Financial math ability to calculate and interpret loan and interest terms
Note: Candidates possessing a foreign degree must submit a translation (evaluation) of their degree from an accredited institution such as The National Association of Credential Evaluations Services in order to be given credit for the degree.
Conditions of Employment:- Applicants must pass a thorough background investigation prior to appointment.
- Must have a valid CO drivers license this position is required to travel within and outside the State of Colorado.
- This position will travel up to 25% of the time in state with occasional out of state travel to conduct examinations.
Appeal Rights: If you receive notice that you have been eliminated from consideration for this position you may file an appeal with the State Personnel Board or request a review by the State Personnel Director.
An appeal or review must be submitted on the official appeal form signed by you or your representative. This form must be delivered to the State Personnel Board by email US Mail faxed or hand delivered within ten (10) calendar days from your receipt of notice or acknowledgement of the departments action.
For more information about the appeals process the official appeal form and how to deliver it to the State Personnel Board go to or refer to 4 Colorado Code of Regulations (CCR) 801-1State Personnel Board Rules and Personnel Directors Administrative Procedures Chapter 8 Resolution of Appeals and Disputes at under Rules.Supplemental Information
HOW TO APPLY
Required Application Materials:- A completed State of Colorado Application: Applicants are responsible for ensuring that the application provided is fully completed and clearly describes their education training and experience as it relates to this position. Applications left blank or marked See Resume will not be considered.
- Current Resume
- Cover Letter: A detailed cover letter explaining your interest in the position any information regarding your skills qualifications accomplishments etc. and how you meet the listed preferred qualifications is due at the time of application.
Your application will be reviewed by a qualified Human Resources Specialist to determine if you meet the minimum qualifications for this position. If your application does not demonstrate that you meet the minimum requirements you will be notified that you will not proceed in the selection process for this position. If your application is rejected and you have questions you may contact Mercedes Chansisourathat or .
Assessment Information:
Colorado Revised Statutes require that all state employees be hired and promoted through comparative analysis of merit and fitness. Upon meeting the minimum qualifications the next phase of the process is typically a structured application/resume review by a panel of subject matter experts against the job duties and/or preferred qualifications in this job announcement to determine technical competence depth and breadth of experience and potential job fit.- Technical Competence Technical experience as it relates to the duties outlined in this job announcement.
- Depth and Breadth of Experience Experience that covers multiple areas outlined in this job announcement and demonstrates the level of responsibility assigned.
- Job Fit Experience will be evaluated to determine how well experience aligns with and meets the business needs of this position. Current experience is preferred.
WHY WORK FOR US
We Embrace Flexibility
We aim to produce outstanding work product for our clients be efficient with our time and support each other as team members which also means we embrace flexible working arrangements when and where possible.
We Are Committed to Diversity
At the DOL our commitment to DEI is thriving. We know that we are better together when our differences are valued and everyone is inspired and empowered to contribute. As such we strive to provide a safe environment where individuals feel valued and respected for who they are; demonstrate a behavior and mindset where differences are welcomed and individuals are treated equally and empowered to do their best work; and promote growth and innovation through a diverse workforce. We empower an active Diversity Equity & Inclusion Impact Team that creates approaches to ensure safe spaces and a culture supportive of people being their authentic selves hosts events and programs on DEI areas important to our employees enables development and sustainability of resource groups that give a voice to historically marginalized populations focuses on retaining our incredible talent and more! If your professional goals include promoting growth and innovation with colleagues who recognize that we are better together when our differences are valued and respected then DOL is your place to be!
We Have Strong Core Values
Our core values drive our actions. At the Department of Law we are: 1) principled maintaining the highest ethical standards rigorous legal analysis and careful evaluation of facts; 2) public servants who are always ensuring our work is not about us but instead is about the people of Colorado; 3) innovative by seeking to identify the best approach make deliberate decisions and look to improve; and 4) better together by working to support each other and collaborate.
We are Committed to Developing our Employees
We are deeply invested in our talent and regularly provide meaningful opportunities for personal and professional growth through training and coaching. Further our professional development and performance goal setting process is collaborative and ongoing and aimed at helping our employees grow and succeed.
We Offer Excellent Benefits
In addition to the comprehensive State of Colorado benefits package including competitive medical and dental health plans employer-paid life insurance paid holidays retirement plans with Colorado PERA and vacation and sick leave earned each month there are many other unique benefits that we offer including:- Medical and dentalhealth plans
- Employer-paid life insurance
- Paid vacation and sick leave earned each month
- 11 paid holidays per year
- Public Service Loan Forgiveness The Public Service Loan Forgiveness Program forgives the remaining balance on your direct loans after you have made 120 qualifying monthly payments under a repayment plan while working full-time for a qualified employer.
- Free access to an on-site fitness center
- Strong flexible retirement benefits including 401K and 457 plans
- Distinctive career advancement opportunities throughout the State personnel system
- Excellent work-life programs such as flexible work schedules professional development opportunities and an employee discount program
To learn more about our benefits visit: State of Colorado believes that equity diversity and inclusion drive our success and we encourage candidates from all identities backgrounds and abilities to apply. The State of Colorado is an equal opportunity employer committed to building inclusive innovative work environments with employees who reflect our communities and enthusiastically serve them. Therefore in all aspects of the employment process we provide employment opportunities to all qualified applicants without regard to race color religion sex disability age sexual orientation gender identity or expression pregnancy medical condition related to pregnancy creed ancestry national origin marital status genetic information or military status (with preference given to military veterans) or any other protected status in accordance with applicable law.
The Department of Law is committed to the full inclusion of all qualified individuals. As part of this commitment our agency will assist individuals who have a disability with any reasonable accommodation requests related to employment including completing the application process interviewing completing any pre-employment testing participating in the employee selection process and/or to perform essential job functions where the requested accommodation does not impose an undue hardship. If you have a disability and require reasonable accommodation to ensure you have a positive experience applying or interviewing for this position please direct your inquiries to our ADAAA Coordinator Julie Christopher at or call .
Employment Type
Full-Time
Key Skills
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