Senior Consumer Credit Examiner

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.

.

Job Class Code: 0336
Grade: 24 (Professional/Technical)
Salary: $51,688.00 - $72,467.20/Annually

Location: Gardiner, ME

Opening Date: September 18, 2026

Closing Date: October 4, 2026

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 non-bank mortgage lenders and sales finance companies in accordance with state lending laws such as Truth-in-Lending.

A Senior Consumer Credit examiner reviews loan files to determine compliance with applicable lending laws. This may involve determining amounts of restitution owed to consumers, making recommendations for changes in lending laws, and or administrative enforcement action to revoke a company's license.

Representative tasks include:

Writing examination reports.

Working with the Attorney General's office to prepare documents and testimony for administrative hearings.

Traveling out of state for training and examinations of larger companies

Knowledge and skills required:

Experience in lending to consumers.

Knowledge of Maine and Federal lending laws.

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 aBachelors Degree. Comparable work experience may be substituted for education requirement on a year-for-year basis.

Preference will be given to candidates with mortgage lending experience or advance computer skills.

Benefits of working for the State of Maine:

No matter where you work across Maine state government, you find employees who embody our state motto—"Dirigo" or "I lead"—as they provide essential services to Mainers every day. We believe in supporting our workforce's health and wellbeing with a valuable total compensation package, including:

• Work-Life Balance – Rest is essential. Take time for yourself using13 paid holidays, 12 days of sick leave, and3+ 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 thepremium 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 aboutprogram 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 theFederal 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—receiveforty-two (42) consecutive calendar days of fully paid parental leave. Additional, unpaid leave may also be available, under theFamily 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 anextensive and highly competitive benefits package, covering many aspects of wellness. Learn aboutadditional wellness benefits for State employees from theOffice 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.

If you’re looking for a great next step, and want to feel good about what you do, we’d love to hear from you. Please note reasonable accommodations are provided to qualified individuals with disabilities upon request.

Thinking about applying?

Research shows that people from historically excluded communities tend to apply to jobs only when they check every box in the posting. If you’re currently reading this and hesitating to apply for that reason, we encourage you to go for it! Let us know how your experience and passion set you apart.

If you require a paper application, please download and print oneHERE

.

If you are unable to complete the online application, please contact the Human Resources representative listed on the job opening you are interested in applying for. They will work with you for an alternative method of submitting.