USA Staffing

Specialized Experience: For the GS-12 grade level, 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 of residential property and mortgage appraisals; AND
- DE underwriting of borrowers credit analysis and credit worthiness; AND
- Applying FHA residential property and credit underwriting requirements and procedures to render 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)

Specialized Experience: For the GS-11 grade level, you must have one year of specialized experience at a level of difficulty and responsibility equivalent to the GS-9 grade level in the Federal service. Specialized experience for this position includes:
- Reviewing residential mortgage loan applications and residential property appraisals (1-4 units); AND
- Completing credit analysis of potential borrowers to make recommendations to approve or reject residential mortgage loan applications; AND
- Applying FHA property and credit underwriting requirements and procedures to make recommendations and decisions on residential mortgage loan application.

OR
Ph.D. or equivalent doctoral degree or 3 full years of progressively higher level graduate education leading to such a degree or LL.M., if related.

OR
You may qualify with a combination of experience and education. To combine education and experience, your total qualifying experience is calculated as a percentage of the experience required for the grade level. Then, your education is calculated as a percentage of the education required for the grade level. The two percentages are added together. The total percentage must equal at least 100 percent to qualify for that grade level. Only graduate level education in excess of the first 36 semester hours (54 quarter hours) may be combined to be considered for qualifying education.

3. Which of the following best describes your specialized experience/education for this position at the grade 11 level as described above?

A. I have at least one full year of specialized experience equivalent to the GS-9 grade level as described above.

B. I have a Ph.D. or equivalent doctoral degree or three (3) full academic years of progressively higher level graduate education leading to such a degree or LL.M. in a related field.

C. I have a combination of the education and specialized experience described above that has equipped me with the knowledge, skills, and abilities to perform the work.

D. I have none of the above.

4. 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).

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

A. Yes

B. No

6. 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)

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

A. I have analyzed risk inherent in the issuance of mortgage insurance.

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

C. I have evaluated the operation of a Direct Endorsement or contractor performed underwriting program to determine problems with specific underwriters, appraisers, builders or lenders.

D. I have not performed any of the above tasks regularly.

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

A. I have performed the analysis 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.

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

D. I have not performed any of the above tasks regularly.

9. 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

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

10. Do you have experience performing both the desk review of the property appraisal to determine the appropriate HUD estimate of value for proposed construction, existing construction or substantial rehabilitation?

A. Yes

B. No

11. 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).

12. Do you have experience authorizing 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

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. 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 using the Computerized Homes Underwriting Management System (CHUMS), without supervision.

B. I have extensive residential mortgage underwriting experience making credit decisions and reviewing 1-4 single family unit appraisals.

C. I have residential mortgage underwriting experience as an FHA, Direct Endorsement Underwriter using the CHUMS system, with some supervision.

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

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

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

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

A. Yes

B. No

16. 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)

17. Which of the following group(s) do you have experience providing written evaluations?

A. Direct Endorsement (DE) Underwriters

B. Approved inspectors

C. Certified appraisers

D. Contractors

E. None of the above

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

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

A. Yes

B. No

19. 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).

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

A. Yes

B. No

21. 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).

22. I have experience writing or editing content used for general business needs.

A. Yes

B. No

23. 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)

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

A. I have reviewed documents for clarity, coherence, spelling and formatting. I have experience in publishing concepts, grammar, writing and editing practices.

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

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

D. None of the above.

25. 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 training presentations on topics pertaining to underwriting principles.

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

26. Please select the answer that best describes your experience analyzing, identifying issues, defining problems and conducting research of underwriting principles, policies and regulations.

A. I have experience researching and analyzing policies and regulations to provide authoritative guidance and evaluations.

B. I have experience conducting research and analyzing underwriting principles, policies and regulations.

C. I have researched, analyzed and cited underwriting policies and regulations through a formal written document.

D. I have researched and analyzed regulations, policies or requirements to underwrite FHA-insured mortgages.

E. I do not have any experience analyzing, identifying issues, defining problems and conducting research of underwriting principles, policies and regulations.

27. 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) or comparable system

D. None of the above

28. From the list below, select the software application(s) that you have experience using to produce a work product.

A. Word Processing (e.g., Microsoft Word)

B. Spreadsheets (e.g., Microsoft Excel)

C. Databases (e.g. Microsoft Access)

D. Presentations (e.g. Microsoft PowerPoint)

E. Email applications (e.g. Microsoft Outlook)

F. None of the above

29. Which of the following do you have experience performing? Select all that apply.

A. Creating and maintaining program data and reports by using a spreadsheet application.

B. Inputting, retrieving and managing program data through a database management application.

C. Using a word processing application to create a variety of documents in varying formats.

D. None of the above.

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