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, 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!

The Consumer Credit Unit exists to enforce the Colorado Uniform Consumer Credit Code (UCCC), the Deferred Deposit Loan Act (DDLA), the Colorado Consumer Equity Protection Act (CCEPA), the Colorado Rental Purchase Agreement Act (RPAA), the Credit Services Organization Act (CSOA), the Colorado Uniform Debt Management Services Act (DMSA), the Colorado Fair Debt Collection Practices Act (CFDCPA), and the Colorado Student Loan Equity Act (CSLEA).

The work unit licenses, registers, examines, and investigates creditors and other companies for compliance, and protects consumers from unlawful actions.

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.

Financial/Credit Examiner I 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 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…