STATE OF NEW HAMPSHIRE
HUMAN RESOURCES
CLASSIFICATION: CONSUMER CREDIT ADMINISTRATOR
Class Code: 2160-28
Date Established: 12-14-76
Occupational Code: 7-2-4
Date of Last Revision: 12-28-01
BASIC PURPOSE: To administer all consumer credit
activities and functions of the New Hampshire Banking Department, including the
investigation and resolution of complaints filed regarding consumer credit
business.
CHARACTERISTIC DUTIES AND RESPONSIBILITIES:
·
Examines and audits
consumer credit and small loan companies to insure compliance with the intent
of the laws governing these activities.
·
Supervises and trains
all field examiners and reviews their work.
·
Investigates and
resolves written and telephone complaints by public concerning loan companies
and trust banks.
·
Determines the
propriety of methods and procedures of record maintenance used by lending
agencies.
·
Interprets state
banking statutes to other agencies, banks, loan companies and attorneys.
·
Examines collateral
and personal property mortgages and financial statements of borrowers.
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DISTINGUISHING FACTORS:
Skill: Requires skill in analyzing and
interpreting data, policy and procedures OR in using equipment in order to
arrive at logical conclusions or recommendations.
Knowledge: Requires logical or scientific
expertise to resolve problems of a specialized or professional nature in a wide
range of applications.
Impact: Requires responsibility for achieving
major aspects of long-range agency objectives by planning short- and long-term
organization goals, reviewing recommendations for procedural changes, and
developing or revising program policies.
Errors at this level result in incorrect decisions at an administrative
level, and are detected subsequent to implementation in an overall evaluation
process.
Supervision: Requires delegating supervisory or
program responsibilities to subordinate managers, with overall accountability
for hiring employees and approving program policies. The supervisor in this position assumes responsibility for
an organizational unit, including developing long-range plans, analyzing
staffing requirements, and formulating systemwide policies and procedures.
Working Conditions: Requires performing regular job
functions in a controlled environment with minimal exposure to disagreeable job
elements and little risk of hazard to physical or mental health.
Physical Demands: Requires light work, including
continuous walking or operating simple equipment for extended periods of time
as well as occasional strenuous activities such as reaching or bending.
Communication: Requires reviewing summaries and
reports and making management level decisions to solve problems or to achieve
work objectives as well as articulating and expressing those solutions and
goals. This level also requires
formal presentations of solutions and goals to employees and the general public
to increase the responsiveness of the agency toward the demands of its client
system.
Complexity: Requires evaluating a combination of
wide-ranging job functions to determine work procedures, to solve problems, and
to reach conclusions by applying analytical, technical, or scientific
thinking. This level also requires
planning policies and long-term strategies, drawing conclusions based on
available criteria, and evaluating the effectiveness of program objectives.
Independent Action: Requires independent judgment in
planning and evaluating work procedures and in supervising the development of
professional, technical and managerial standards under administrative direction
and according to broad departmental guidelines.
MINIMUM QUALIFICATIONS:
Education: Bachelor's degree from a recognized
college or university with major study in business administration or
accounting. Each additional year
of approved formal education may be substituted for one year of required work
experience.
Experience: Seven years' experience in accounting,
auditing or business administration, three years of which shall have been in
banking or lending. Additional
years of related work experience may not be substituted for the formal
education required by this class specification.
License/Certification: None required.
RECOMMENDED WORK TRAITS: Thorough knowledge of applicable laws,
practices and procedures relating to consumer credit and small loans
institutions. Working knowledge of
and skill in applying the techniques of financial examination. Ability to critically analyze
operations of small loan and consumer credit companies. Ability to express oneself clearly and
concisely both orally and in writing.
Ability to establish and maintain harmonious working relationships with
other employees, company officials and the general public. Must be willing to maintain appearance
appropriate to assigned duties and responsibilities as determined by the agency
appointing authority.
DISCLAIMER STATEMENT: This class specification is descriptive
of general duties and is not intended to list every specific function of this
class title.
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Last Updated 05/10/02
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