Senior Consumer Credit Examiner - Multiple Vacancies

MaineGuide; Gardiner (ME); On-site; USD 54,000 - 76,000; Full time

Benefits offered by this job

Work-Life Balance

Health Insurance Coverage

Retirement Plan

Gym Membership Reimbursement

Flexible Spending Accounts

Parental leave

Job summary

State of Maine's Department of Professional and Financial Regulation is seeking a professional to license and examine mortgage lenders, sales finance companies, payroll processors, money transmitters, and consumer credit agencies to ensure compliance with state laws. You'll review credit files, evaluate logs, and write investigation summaries.

This non-supervisory role operates under limited supervision and requires strong analytical, communication, and data analysis skills as you help protect

Qualifications

• Knowledge of standard practices in regulated industries (e.g., mortgage lending, consumer banking, money transmission).
• Familiarity with audit procedures, bookkeeping, and analyzing financial statements.
• Familiarity with laws governing consumer lending and collections.
• Strong written and verbal communication abilities.
• Ability to plan, organize, and analyze data.

Responsibilities

• Review mortgage contracts and consumer loan files.
• Investigate consumer complaints and recommend resolutions.
• Prepare detailed report writing and investigation summaries.
• Approve license applications and renewals.
• Testify in administrative hearings.

Skills

Regulated industry knowledge

Audit procedures

Lending laws

Written and verbal communication

Data analysis

Education

Bachelor's degree

Job description

If you are a current State of Maine employee, please submit your application through the internal application process using the Find Jobs report in PRISM. Seasonal employees who do not have PRISM access should apply through the State’s career page and indicate on the application that they have previously worked for the State.

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.

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 include:

• 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 required:

• 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 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. 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.

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.

Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.