Financial Credit Examiner

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, including 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!

This position serves to investigate and examine potential violations of Colorado Uniform Consumer Credit Code, Colorado Rental Purchases Agreement Act, Federal Truth in Lending Act, and related state and federal statutes. Duties include preparing and conducting compliance examinations of retail sales, rent‑to‑own, sales finance, and supervised lending companies (collectively “creditors”), in addition to other regulated entities that the CCU may regulate.

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, licensees, and other external parties as needed. The examiner also reviews documents related to consumer complaints, official inquiries, and emergent consumer credit issues.

Works under the direction and supervision of the Financial Credit Examiner IV to perform the following duties:

• 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 interest, timing of disclosures, accuracy of applicable interest rates, and other financial calculations to ensure compliance with relevant statutes, rules, and regulations.
• Work with the Financial Credit Examiner to prioritize examinations based on prior compliance history, consumer complaint data, information received from other state regulators, and federal policy makers, risks to consumers, and CCU examination history.
• Coordinate in‑person and mail‑in compliance examinations while ensuring that examinations are completed accurately, timely, and consistently.
• Contact creditors, request consumer account data correspondence/communication records, and select files to be reviewed.
• Follow up on overdue examination responses and recommend 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 the 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 the Financial Credit 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 the Financial Credit 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 staff and CCEU staff.
• Coordinate with the Financial Credit Examiner IV and CCEU to provide assistance during litigation and/or attorney‑led…