STATE OF NEW HAMPSHIRE
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.
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.
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.
Last Updated 05/10/02