Financial Credit Examiner I

Details

Section:
Consumer Protection
Position Number:
LAA 00040
Salary Range:
$61,812.00 - $78,000.00 Yearly
Apply By:
Wednesday, August 20, 2025, 11:59 pm
FLSA:
Non-Exempt
Work Unit:
Consumer Credit
Job Location:
1300 Broadway, Denver, CO 80203
Release Date:
Wednesday, August 6, 2025
Employment Type:
Full-Time
Position Type:
Classified

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 you’re interested in joining a collaborative team of public servants, apply today!

WHAT YOU WILL DO

This 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 needed. In addition, they will review documents related to consumer complaints, official inquiries, and emergent consumer credit issues.

The Financial 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

Investigations

  • 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

Licensing Support

  • 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

Litigation support and Administrative support

  • 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

Salary note: Although a salary range is listed, salary will be set commensurate with the successful candidate’s qualifications and in compliance with the Equal Pay for Equal Work Act.

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.

OR

  • Bachelor’s degree from an accredited institution AND one year of professional experience in consumer finance, auditing, regulatory analysis and other closely related duties.

OR

  • Master’s 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)

Required Competencies:

  • 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 driver’s 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 department’s action.

For more information about the appeals process, the official appeal form, and how to deliver it to the State Personnel Board go to spb.colorado.gov or refer to 4 Colorado Code of Regulations (CCR) 801-1, State Personnel Board Rules and Personnel Director’s Administrative Procedures, Chapter 8, Resolution of Appeals and Disputes, at spb.colorado.gov under Rules.

Please view the full job announcement for more information, including information about compensation and benefits, and to apply online.