CONSUMER CREDIT EXAMINER, D54

BASIC PURPOSE:

Positions in this job family are assigned responsibilities involving the examination, investigation and licensing of finance companies, pawn shops, precious metal and gem dealers, health spas, rental purchase lessors, credit services organizations, mortgage brokers, mortgage loan originators, deferred deposit lenders and other creditors to insure compliance with various laws and regulations subject to the jurisdiction of the Department of Consumer Credit.

TYPICAL FUNCTIONS:

The functions within this job family will vary by level, but may include the following:

• Performs examinations and investigations of financial and other records of finance companies, mortgage brokers, mortgage loan originators, pawn shops, health spas and other lenders and creditors concerning individual transactions related to loans, consumer credit sales, rental purchase agreements and membership fees.
• Determines compliance with laws and regulations, including the Uniform Consumer Credit Code and the federal Truth-in-Lending Act, concerning disclosure, annual percentage rates, refunds, delinquency and deferral fees, extension agreements, and general business practices.
• Investigates consumer complaints and other information related to overcharges, misleading advertising and other activities. 
• Reviews, processes and investigates applications for  licenses.
• Prepares reports and other materials concerning examinations, investigations and licensing.

LEVEL DESCRIPTORS:

This job family consists of three levels which are distinguished based on the complexity of work assigned and the responsibility for the supervision of others.  Entry into this job family is at the basic level.

Level I:                                     Code:  D54A                            Salary Band:  J

This is the basic level of this job family where employees are primarily responsible for performing routine entry level work in a training status to build their skills in reviewing license applications and conducting examinations and investigations of various creditors and licensees to ensure compliance with applicable laws and regulations.  In this role, employees are trained by supervisors to review license applications and conduct examinations and investigations of licensee records and transactions.  Employees are trained to prepare reports concerning license applications and examinations and investigations that have been completed.

Knowledge, Skills and Abilities required at this level include knowledge of accounting and auditing principles; of laws and regulations concerning financial institutions and other credit organizations regulated by the agency, including the Uniform Consumer Credit Code and federal Truth-in-Lending Act; of procedures for conducting interviews and investigations; and of modern office procedures, practices and equipment; ability to examine financial records and other business documents; ability to review license applications; to conduct interviews; to analyze information and make decisions; to organize and present facts and opinions.

Education and Experience requirements at this level consist of a bachelor’s degree in business administration, accounting, finance, mathematics or public administration or one year of auditing/examination experience, compliance experience with a business entity or government agency for each year of required education.

Level II:                                   Code:  D54B                             Salary Band:  K

This is the career level of the job family where employees review license applications, conduct examinations and investigations and prepare examination, investigation and licensing reports at the full performance level.  Employees review license applications, conduct examinations and investigations independently and prepare examination,  investigation and licensing reports independently.  Employees are responsible for preparing examination and investigation reports that detail alleged violations of law discovered during an examination or investigation.  Employees are responsible for preparing examination reports that include instructions for licensees to correct any alleged violations of law.  Employees may be assigned as team leader on certain examination, investigation and licensing assignments.

Knowledge, Skills and Abilities required at this level include those identified in Level I plus the ability to conduct examinations, and investigations and licensing independently and the ability to prepare examination, investigation and licensing reports independently.

Education and Experience requirements at this level consist of those identified in Level I plus one year of auditing/examination experience, compliance experience with a business entity or government agency.

Level III:                                  Code:  D54C                             Salary Band:  L

This is the leadership level where employees are assigned responsibilities involving the supervision and training of other Consumer Credit Examiners.  Employees train entry level Consumer Credit Examiners to review license applications, conduct examinations and investigations and train entry level Consumer Credit Examiners to prepare examination,  investigation and licensing reports.  Employees supervise the work of entry level and career level Consumer Credit Examiners.  Employees may also serve as team leader on certain examination, investigation or licensing assignments.

Knowledge, Skills and Abilities required at this level include those identified in Level II plus the ability to train others and direct the work of others.

Education and Experience requirements at this level consist of those identified in Level II plus one year of auditing/examination experience, compliance experience with a business entity or government agency.

SPECIAL REQUIREMENTS:

Applicants must be able and willing to fulfill all job-related travel normally associated with this position.

Latest revision date:  04-04-13