USA Staffing

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. To fully meet the specialized experience for the GS-12 you MUST meet the first two bullets AND one of the two final bullets. Specialized experience for this position includes:
- Direct Endorsement (DE) Underwriting or VA Credentialed Underwriting review of residential property appraisals; AND
- DE underwriting or VA Credentialed Underwriting of borrowers' credit analysis and credit worthiness; AND
- DE or VA Credentialed Underwriting approval or rejection of residential mortgage applications, OR
- Applying FHA or VA 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 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). If you answered NO to the previous question, please type NA. (limit 250 characters)

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

3. Are you a Direct Endorsement (DE) Underwriter certified or a VA Credentialed Underwriter?

A. Yes

B. No

4. If you answered yes to the previous question, please provide your Computerized Homes Underwriting Management System (CHUMS) identification number or VA credentials. If you answered NO, please type NA. (limit 250 characters)

5. 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, Direct Guaranty 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.

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

A. I have performed the analysis of Direct Endorsement or VA Guaranty files to verify consistency, accuracy, and reliability of ratings on all elements or risk related to the underwriting of the appraisal and of the borrowers' creditworthiness.

B. I have issued performance ratings of Direct Endorsement or VA Guaranty underwriters' 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.

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

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

A. Yes

B. No

8. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). If you answered NO to the previous question, please type NA. (limit 250 characters)

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

9. Do you have experience authorizing the issuance of the conditional commitment or VA approval for home mortgage insurance and authorizing the endorsement or guaranty of the loan and the issuance of the mortgage insurance certificate or loan guaranty 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). If you answered NO to the previous question, please type NA. (limit 250 characters)

11. Which of the following best describes your experience monitoring Direct Endorsement (DE) or VA Credentialed 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) or VA Credentialed Underwriting, 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 or VA Credentialed Underwriting, 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.

12. 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 or VA Guaranteed.

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

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

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

A. Yes

B. No

14. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). If you answered NO to the previous question please type NA. (limit 250 characters)

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

A. Direct Endorsement (DE) or VA Credentialed Underwriters

B. Approved inspectors

C. Certified appraisers

D. Contractors

E. None of the above

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

16. Do you have experience providing guidance and technical assistance to Direct Endorsement (DE) or VA Credentialed Underwriters?

A. Yes

B. No

17. Please specify where the above experience is documented in your resume. (Indicate place of employment, job title, and length of time performing the duties). If you answered NO to the previous question please type NA. (limit 250 characters)

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

18. Do you have experience providing both telephone and written guidance to Direct Endorsement (DE) or VA Credentialed Underwriters as a result of case evaluation and analysis?

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). If you answered NO to the previous question please type NA. (limit 250 characters)

20. 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.

21. 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.

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

A. Loan Orgination System (LOS) or an Automated Underwriting system

B. Automated Valuation Model (AVM) or comparable system

C. FHA Connection (FHAC) or comparable system

D. None of the above

23. 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.

24. 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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