Senior Consumer Credit Examiner - Multiple Vacancies

Department of Professional and Financial Regulation; Farmingdale (ME); On-site; USD 54,000 - 76,000; Full time

Benefits offered by this job

Paid holidays

Sick leave

Vacation leave

Job summary

The Department of Professional and Financial Regulation in Gardiner, ME is seeking a professional to license and examine mortgage lenders, sales finance, payroll processors, money transmitters, and consumer credit agencies for compliance with state laws.

Responsibilities include reviewing credit files, evaluating logs, and writing investigation summaries. The role operates under limited supervision and is not supervisory.

Qualifications

• One (1) year experience in the examination of credit agency policies and practices.
• Bachelor's Degree required.
• Experience substituted for education on a year-for-year basis.
• Preference for current/former state or federal employees with regulatory compliance, auditing, or admin law enforcement.

Responsibilities

• Review credit files and transaction logs.
• Evaluate regulatory compliance of license applications and renewals.
• Write detailed investigation summaries.
• Assist with hearings and testimony as needed.
• Not supervisory; work under limited supervision.

Skills

Regulatory compliance

Audit procedures

Data analysis

Written communication

Verbal communication

Planning & organizing

Education

Bachelor's degree

Experience substitutes education (year-for-year)

Job description

Position Details

Department of Professional and Financial Regulation (and Boards) Job Class Code: 0336 Grade: 24 (Professional/Technical) Salary: $54,017.60 - $75,732.80/Annually Location: Gardiner, ME Opening Date: November 4, 2026 Closing Date: Open Until Filled

Currently, this position is not eligible for visa sponsorship or STEM OPT extensions.

Job Summary

This is a professional services position involving the licensing and examination of mortgage lenders, sales finance companies, payroll processors, money transmitters, and consumer credit agencies to determine compliance with state consumer credit laws.

Responsibilities include reviewing credit files, evaluating transaction logs, and writing detailed investigation summaries. This position is not supervisory. Work is performed under limited supervision.

Representative Tasks

• Reviewing mortgage contracts and consumer loan files
• Investigating consumer complaints and recommending resolution
• Report writing
• Approving license applications and renewals
• testifying in administrative hearings.

Knowledge and Skills

• 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, analyzing financial statements
• Familiarity with basic laws governing consumer lending and collections
• 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 is extended to current or former state/federal employees with a background in regulatory compliance, auditing, or administrative law enforcement, as well as candidates with advanced computer or data analysis skills

Benefits

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 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. Learn about additional wellness benefits for State employees from the Office of Employee Health and Wellness.

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

Company Culture

There's a job and then there's purposeful, transformative work. Our aim is to create a workplace where you can learn, grow, and continuously refine your skills. Applicants demonstrate job requirements in differing ways, and we appreciate that many skills and backgrounds can make people successful in this role.

As 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. If you're looking for a great next step, and want to feel good about what you do, we'd love to hear from you. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.

Thinking about applying? Research shows that people from historically excluded communities tend to apply to jobs only when they check every box in the posting. If you're currently reading this and hesitating to apply for that reason, we encourage you to go for it! Let us know how your experience and passion set you apart.

About Us

Join Maine State Government and Make a Difference in Your Community. If you're looking for a fulfilling career that allows you to serve the public and make a difference, consider working with Maine State Government! Our departments boast an array of professions, including attorneys, biologists, correctional officers, equipment operators, engineers, human resources professionals, information technology experts, law enforcement officers, nurses, park rangers, social workers, and transportation workers. With more than 100 agencies, boards, and offices, Maine State Government is the perfect place to explore various industries and interests. Whether you're interested in finance or forestry, there's an opportunity for you to help make Maine an even better place to live.