USA Staffing

For the GS-12 Grade Level:

For the GS-12, you must have one year of specialized experience at a level of difficulty and responsibility equivalent to the GS-11 grade level in the Federal service. Specialized experience for this position includes:
- Direct Endorsement (DE) Underwriting review and approval or rejection of residential property and residential mortgage appraisals; AND
- Direct Endorsement (DE) underwriting of borrowers credit analysis and credit worthiness; AND
- Evaluating FHA residential property, credit underwriting requirements, applying lending regulations and rendering a credit decision on residential mortgage loan applications.

1. Which of the following best describes your specialized experience for this position at the grade 12 level as described above:

A. I have at least one full year of specialized experience for this position as described above.

B. I have less than one full year of specialized experience for this position as described above.

C. I have no specialized experience for this position as described above.

2. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). (limit 250 characters)

Select “Yes” or “No” to the following question(s).

3. Are you Direct Endorsement (DE) Underwriter certified?

A. Yes

B. No

4. Please provide your Computerized Homes Underwriting Management System (CHUMS) and/or Underwriter identification number and when it was obtained. (limit 250 characters)

5. Which of the following do you have experience performing?

A. I have made the final underwriting decision for the issuance of credit loan approval.

B. I have determined the credit eligibility of mortgagors for credit loan approval and had to assure compliance with statutory, regulatory, and administrative requirements.

C. I have completed quality compliance reviews of Direct Endorsement underwriter approvals that were performed in mortgagee's operational underwriting program to determine problems with specific underwriters, appraises, builders, or lenders.

D. None of the above.

6. Select from the list below, the task(s) you have experience performing.

A. I have performed the quality compliance review of Direct Endorsement files to verify consistency, accuracy, and reliability of ratings on all elements or risk related to the underwriting of the appraisal and of the borrower's creditworthiness.

B. I have issued performance ratings of Direct Endorsement underwriter's work based on findings I identified during a compliance review.

C. I have performed desk reviews of property appraisals to determine the appropriate estimate of value for proposed or existing construction, and/or rehabilitation to the conditional commitment for home mortgage insurance.

D. None of the above.

7. From the list below, select all that you have experience using.

A. HUD Handbooks

B. HUD Housing Notices

C. HUD Mortgagee Letters

D. Federal Code of Regulations for HUD

E. None of the above

8. Do you have experience performing a review of the appraisal to determine the appropriate HUD estimate of value for the following types of residential (1-4) construction to determine a final credit decision?

A. Proposed construction

B. Existing construction

C. Substantial rehabilitation

D. None of the above

Select “Yes” or “No” to the following question(s).

9. Do you have experience as the final decision maker in the issuance of the conditional commitment for home mortgage insurance and authorizing the endorsement of the loan and the issuance of the mortgage insurance certificate?

A. Yes

B. No

10. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). (limit 250 characters)

11. Which of the following best describes your experience monitoring Direct Endorsement (DE) Underwriter and Lender Activities?

A. I have residential mortgage underwriting experience as an FHA, Direct Endorsement Underwriter utilizing FHA Connection, without supervision.

B. I have residential mortgage underwriting experience as an FHA, Direct Endorsement Underwriter using the FHA Connection, with some supervision.

C. I have some residential mortgage underwriting experience reviewing credit and 1-4 single family unit appraisals.

D. I don't have any of the experience described above.

Select “Yes” or “No” to the following question(s).

12. Do you have experience issuing constructive and corrective commentary for the maintenance and improvement of underwriting performance?

A. Yes

B. No

13. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). (limit 250 characters)

14. Do you have experience providing guidance and technical assistance to Direct Endorsement (DE) Underwriters?

A. I have provided guidance and technical assistance to Direct Endorsement (DE) Underwriters.

B. I have not provided guidance and technical assistance to Direct Endorsement (DE) Underwriters.

15. Do you have experience providing both telephone and written guidance to Direct Endorsement (DE) underwriters as a result of case evaluation and analysis?

A. I have experience providing both telephone and written guidance to Direct Endorsement (DE) underwriters as a result of case evaluation and analysis.

B. I do not have experience providing both telephone and written guidance to Direct Endorsement (DE) underwriters as a result of case evaluation and analysis.

16. Select the answer that best describes your experience writing or editing.

A. I have reviewed documents for clarity, coherence, spelling and formatting.

B. I have experience in publishing concepts, grammar, writing and editing practices.

C. I have written documents with clarity, coherence and correct spelling, formatting and grammar.

D. I have reviewed documents for clarity, coherence, spelling and formatting.

E. None of the above.

17. Which of the following best describes your experience developing and conducting underwriting related training presentations?

A. I have recommended training content or training materials modifications pertaining to underwriting. My work is reviewed for technical accuracy and adherence to established training plans.

B. I have developed underwriting training content that is accurate and consistent with the organizational training objectives and policy.

C. I have developed and made presented training presentations on topics pertaining to underwriting principles.

D. I have not developed training content or training materials for underwriting.

18. Please select the answer that best describes your experience identifying issues, defining problems and conducting research of underwriting guidelines, polices and regulations.

A. I have experience identifying and providing reference points to provide authoritative technical underwriting guidance.

B. I have experience conducting research of underwriting guidelines and regulations.

C. I have experience in identifying, providing reference points and citing underwriting guidelines and policies through a formal written document.

D. I have experience identifying guidelines, policies or requirements to underwrite FHA-insured mortgages.

E. I do not have any of the experience listed above.

19. Which of the following system(s) do you currently use or have experience using in past positions?

A. Home Equity Conversion Mortgage (HECM) system or comparable system

B. Automated Valuation Model (AVM) or comparable system

C. FHA Connection (FHAC)

D. None of the above

20. Which of the following do you have experience performing?

A. Uploading verified data to an Automated Underwriting System to evaluate overall credit risk

B. Entering and retrieving data from an Automated Underwriting System to verify factual data

C. Using an automated underwriting system to find conflicting or incomplete data that results in resolving data inconsistencies

D. None of the above

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