Senior Consumer Credit Examiner

Department of Professional and Financial Regulation; Farmingdale (ME); On-site; USD 52,000 - 72,000; Full time

Benefits offered by this job

Health Insurance

Vacation Leave

Sick Leave

Retirement Plan (MainePERS)

Gym Membership Reimbursement

Parental Leave

Job summary

The Department of Professional and Financial Regulation (and Boards) in Gardiner, ME is seeking a Senior Consumer Credit Examiner to review loan files for compliance with applicable lending laws. This role involves analyzing data, planning examinations, and drafting reports.

Responsibilities include writing examination reports, coordinating with the Attorney General's office for hearings, and traveling out of state for training and examinations of larger lenders.

Qualifications

• One year of experience examining credit agency policies and practices.
• Bachelor's degree required or equivalent experience on a year-for-year basis.
• Mortgage lending experience or advanced computer skills preferred.

Responsibilities

• Writing examination reports.
• Working with the Attorney General's office to prepare documents and testimony for administrative hearings.
• Traveling out of state for training and examinations of larger companies.

Skills

Lending experience

Lending laws knowledge

Written & verbal communication

Planning & data analysis

Education

Bachelor's degree or equivalent

Job description

Department of Professional and Financial Regulation (and Boards) Job Class Code: 0336 Grade: 24 (Professional/Technical) Salary: $51,688.00 - $72,467.20/Annually Location: Gardiner, ME Opening Date: September 18, 2026 Closing Date: October 4, 2026 Currently, this position is not eligible for visa sponsorship or STEM OPT extensions.

This is a professional services position involving the licensing and examination of non-bank mortgage lenders and sales finance companies in accordance with state lending laws such as Truth-in-Lending.

A Senior Consumer Credit examiner reviews loan files to determine compliance with applicable lending laws. This may involve determining amounts of restitution owed to consumers, making recommendations for changes in lending laws, and or administrative enforcement action to revoke a company's license.

Representative tasks include:

• Writing examination reports.
• Working with the Attorney General's office to prepare documents and testimony for administrative hearings.
• Traveling out of state for training and examinations of larger companies.

Knowledge and skills required:

• Experience in lending to consumers.
• Knowledge of Maine and Federal lending laws.
• Ability to communicate in writing and verbally.
• Ability to plan and organize and analyze data.

Minimum qualifications

• One (1) year experience in the examination of credit agency policies and practices and a Bachelors Degree. Comparable work experience may be substituted for education requirement on a year-for-year basis.
• Preference will be given to candidates with mortgage lending experience or advance computer skills.

Benefits of working for the State of Maine

• 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 overtime-exempt employees receive personal leave.
• Health Insurance Coverage – The State of Maine pays 85%-100% of employee-only premiums ($11,857.68-$13,950.24 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 employee-only 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 employee-only dental premiums ($365.28 annual value).
• Retirement Plan – The State of Maine contributes 14.06% 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 pre-tax to help pay for out-of-pocket 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 information, visit the Federal Student Aid office.
• Living Resources Program – Navigate challenging work and life situations with our employee assistance program.
• Parental leave is one of the most important benefits for any working parent. All employees who are welcoming a child—including fathers and adoptive parents—receive forty-two (42) consecutive calendar days of fully paid parental leave. Additional, unpaid leave may also be available, under the Family and Medical Leave Act.
• Voluntary Deferred Compensation – Save additional pre-tax funds for retirement in a MaineSaves 457(b) account through payroll deductions.

State employees are eligible for an extensive and highly competitive benefits package, covering many aspects of wellness.

Note: Benefits may vary somewhat according to specific collective bargaining agreements and are prorated for anything less than full-time.

We are an Equal Opportunity employer, Maine State Government embraces a culture of respect and awareness. We are committed to creating a strong sense of belonging for all team members, and our process ensures an inclusive environment to applicants of all backgrounds including diverse race, color, sex, sexual orientation or gender identity, physical or mental disability, religion, age, ancestry, national origin, familial status or genetics. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.