Financial/Credit Examiner I

Financial/Credit Examiner I

Salary

$61,812.00 - $80,364.00 Annually

Location

Denver, CO

Job Type

Full Time

Job Number

LAA-00129-6/2026

Department

Department of Law

Division

Consumer Protection

Opening Date

06/12/2026

Closing Date

6/26/2026 11:59 PM Mountain

FLSA

Determined by Position

Type of Announcement

This position is open only to Colorado state residents.

Primary Physical Work Address

1300 Broadway, Denver, CO 80203

FLSA Status

Non-Exempt; position is eligible for overtime compensation.

Department Contact Information

Mercedes Chansisourath email: mercedes.chansisourath@coag.gov

How To Apply

Please submit an online application for this position at https://www.governmentjobs.com/careers/colorado. Reach out to the Department Contact to apply using a paper application, including any supplemental questions. Failure to submit a complete and timely application may result in the rejection of your application. Applicants are responsible for ensuring that application materials are received by the appropriate Human Resources office before the closing date and time listed.

• Description
• Benefits
• Questions

Department Information

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 youre interested in joining a collaborative team of public servants, apply today!

WHO WE ARE

The Office of the Attorney General/Department of Law is the "Peoples Lawyer." The Attorney General, Phil Weiser, was elected by the people of Colorado and is the States chief lawyer and law enforcement official. Our vision for the Department of Law is: "Together, we serve Colorado and its people, advancing the rule of law, protecting our democracy and promoting justice for all." Our core values and commitment to diversity, equity, and inclusion, drive our actions and demonstrate our focus on being principled public servants who are innovative and better together.

Visit our website to learn more: https://coag.gov/.

Description of Job

This position is open only to residents of Colorado.

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.

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 candidates 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, regulatory analysis and other closely related duties.

OR

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

OR

• Masters 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
• 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 drivers 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 Directors Administrative Procedures, Chapter 8, Resolution of Appeals and Disputes, at spb.colorado.gov under Rules.

Supplemental Information

HOW TO APPLY

Required Application Materials:

• A completed State of Colorado Application: Applicants are responsible for ensuring that the application provided is fully completed and clearly describes their education, training and experience as it relates to this position. Applications left blank or marked "See Resume" will not be considered.
• Current Resume
• Cover Letter: A detailed cover letter explaining your interest in the position, any information regarding your skills, qualifications, accomplishments, etc. and how you meet the listed preferred qualifications is due at the time of application.

Veteran's Preference: In order to be considered for veteran's preference you must attach a copy of your DD214 forms as well as any documentation required to prove disability or marital status.

Your application will be reviewed by a qualified Human Resources Specialist to determine if you meet the minimum qualifications for this position. If your application does not demonstrate that you meet the minimum requirements, you will be notified that you will not proceed in the selection process for this position. If your application is rejected and you have questions, you may contact Mercedes Chansisourath at 720-508-6793 or Mercedes.Chansisourath@coag.gov.

Assessment Information:

Colorado Revised Statutes require that all state employees be hired and promoted through comparative analysis of merit and fitness. Upon meeting the minimum qualifications, the next phase of the process is typically a structured application/resume review by a panel of subject matter experts against the job duties and/or preferred qualifications in this job announcement to determine technical competence, depth and breadth of experience and potential job fit.

• Technical Competence - Technical experience as it relates to the duties outlined in this job announcement.
• Depth and Breadth of Experience - Experience that covers multiple areas outlined in this job announcement and demonstrates the level of responsibility assigned.
• Job Fit - Experience will be evaluated to determine how well experience aligns with and meets the business needs of this position. Current experience is preferred.

It is imperative that the "Work Experience" section of your application is complete and specifically addresses your qualifications, experience, work product, and accomplishments as they relate to the Description of the Job, Minimum Qualifications, and Preferred Qualifications as listed above. Failure to include adequate information or follow instructions by the closing date may result in your application not being accepted and/or may affect your inclusion in the final pool of eligible applicants as the materials may be used to identify a top group for additional assessment or establish an eligible list for referral to the hiring manager for final consideration.

WHY WORK FOR US

We Embrace Flexibility

We aim to produce outstanding work product for our clients, be efficient with our time, and support each other as team members - which also means we embrace flexible working arrangements when and where possible.

We Are Committed to Diversity

At the DOL, our commitment to DEI is thriving. We know that we are better together when our differences are valued and everyone is inspired and empowered to contribute. As such, we strive to provide a safe environment where individuals feel valued and respected for who they are; demonstrate a behavior and mindset where differences are welcomed, and individuals are treated equally and empowered to do their best work; and promote growth and innovation through a diverse workforce. We empower an active Diversity Equity & Inclusion Impact Team that creates approaches to ensure safe spaces and a culture supportive of people being their authentic selves, hosts events and programs on DEI areas important to our employees, enables development and sustainability of resource groups that give a voice to historically marginalized populations, focuses on retaining our incredible talent, and more! If your professional goals include promoting growth and innovation with colleagues who recognize that we are better together when our differences are valued and respected, then DOL is your place to be!

We Have Strong Core Values

Our core values drive our actions. At the Department of Law, we are: 1) principled, maintaining the highest ethical standards, rigorous legal analysis, and careful evaluation of facts; 2) public servants, who are always ensuring our work is not about us, but instead is about the people of Colorado; 3) innovative, by seeking to identify the best approach, make deliberate decisions, and look to improve; and 4) "better together," by working to support each other and collaborate.

We are Committed to Developing our Employees

We are deeply invested in our talent and regularly provide meaningful opportunities for personal and professional growth through training and coaching. Further, our professional development and performance goal setting process is collaborative and ongoing, and aimed at helping our employees grow and succeed.

We Offer Excellent Benefits

In addition to the comprehensive State of Colorado benefits package including competitive medical and dental health plans, employer-paid life insurance, paid holidays, retirement plans with Colorado PERA, and vacation and sick leave earned each month, there are many other unique benefits that we offer, including:

• Medical and dental health plans
• Employer-paid life insurance
• Paid vacation and sick leave earned each month
• 11 paid holidays per year
• Public Service Loan Forgiveness - The Public Service Loan Forgiveness Program forgives the remaining balance on your direct loans after you have made 120 qualifying monthly payments under a repayment plan while working full-time for a qualified employer.
• Free access to an on-site fitness center
• Strong, flexible retirement benefits including 401K and 457 plans
• Distinctive career advancement opportunities throughout the State personnel system
• Excellent work-life programs, such as flexible work schedules, professional development opportunities, and an employee discount program

To learn more about our benefits visit: https://www.colorado.gov/dhr/benefits.

The State of Colorado believes that equity, diversity, and inclusion drive our success, and we encourage candidates from all identities, backgrounds, and abilities to apply. The State of Colorado is an equal opportunity employer committed to building inclusive, innovative work environments with employees who reflect our communities and enthusiastically serve them. Therefore, in all aspects of the employment process, we provide employment opportunities to all qualified applicants without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity or expression, pregnancy, medical condition related to pregnancy, creed, ancestry, national origin, marital status, genetic information, or military status (with preference given to military veterans), or any other protected status in accordance with applicable law.

The Department of Law is committed to the full inclusion of all qualified individuals. As part of this commitment, our agency will assist individuals who have a disability with any reasonable accommodation requests related to employment, including completing the application process, interviewing, completing any pre-employment testing, participating in the employee selection process, and/or to perform essential job functions where the requested accommodation does not impose an undue hardship. If you have a disability and require reasonable accommodation to ensure you have a positive experience applying or interviewing for this position, please direct your inquiries to our ADAAA Coordinator, Julie Christopher, at Julie.Christopher@coag.gov or call 720-508-6511 .

The State of Colorado offers permanent employees a variety of benefits including medical, dental, life and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: www.colorado.gov/pacific/dhr/benefits

Please note that each agencys contact information is different; therefore, we encourage all applicants to view the full, official job announcement which includes contact information and class title. Select the job you wish to view, then click on the "Print" icon.

01

Applicants for State of Colorado classified positions must be current residents of Colorado. Are you a current resident of the State of Colorado who can provide proof of Colorado residency?

• Yes
• No

02

A resume and cover letter are required along with the completed employment application. These documents can be submitted using the "Attach" feature. Please confirm that you have submitted all required documents.

• Yes
• No

03

This position requires a minimum of one year of experience with consumer finance, auditing, or regulatory analysis. Please describe your experience in the area(s).

04

Do you have experience with applying Regulation Z? If so, when and how?

Required Question

Employer State of Colorado

Address See the full announcement by clicking

the "Printer" icon located above the job title

Location varies by announcement, Colorado, --

Website https://careers.colorado.gov/