- Position Title
- Loan Specialist (Commercial)
- Agency
- Agriculture, Rural Development
- Announcement Number
- MP-ID-11845109-2023-JR Opens in new window
- Open Period
- Thursday, February 16, 2023 to Thursday, February 23, 2023
For preview purposes only. To apply, please return to the USAJOBS announcement and click the Apply button.
Eligibilities
PLEASE READ THE FOLLOWING ELIGIBILITY QUESTIONS CAREFULLY. Your answers will be used to determine your eligibility to apply to this job opportunity announcement. You will be considered under the eligibility option(s) to which you answer YES. Select YES to all eligibility options for which you want to be considered. If you respond NO to meeting the criteria for all the eligibilities, you will not be considered for the position(s) under this announcement.
NOTE: You must submit the required supporting documentation to receive consideration for EACH selected eligibility. Failure to provide the required documents will result in an ineligible rating and your application will be excluded from consideration.
NOTE: You must submit the required supporting documentation to receive consideration for EACH selected eligibility. Failure to provide the required documents will result in an ineligible rating and your application will be excluded from consideration.
1.
Do you claim Veterans’ Preference?
2.
Are you a veteran who separated from active duty under honorable conditions (this means an honorable or general discharge) AND you either:
• retired from active military service with a disability rating of 30 percent or more; OR
• rated by the Department of Veterans Affairs (VA) since 1991 or later to include disability determinations from a branch of the Armed Forces at any time, as having a compensable service-connected disability of 30 percent or more.
For more information, review USAJOBS Veterans resources.
• retired from active military service with a disability rating of 30 percent or more; OR
• rated by the Department of Veterans Affairs (VA) since 1991 or later to include disability determinations from a branch of the Armed Forces at any time, as having a compensable service-connected disability of 30 percent or more.
For more information, review USAJOBS Veterans resources.
3.
Are you a current USDA employee who meets the definition of a "surplus" or "displaced" employee, in which received official notice that your job is no longer needed or that you will lose your job by Reduction-in-Force (RIF)? If yes, confirm:
• you are located in the same local commuting area as the vacancy; AND,
• you are applying to a position that is at or below the grade level of the position from which you will be separated; AND,
• you are applying to a position that does not have greater promotion potential than the position from which you will be separated; AND,
• your last performance rating of record is at least fully successful or the equivalent.
For more information, review the USAJOBS Help Center.
• you are located in the same local commuting area as the vacancy; AND,
• you are applying to a position that is at or below the grade level of the position from which you will be separated; AND,
• you are applying to a position that does not have greater promotion potential than the position from which you will be separated; AND,
• your last performance rating of record is at least fully successful or the equivalent.
For more information, review the USAJOBS Help Center.
4.
Are you the spouse of a member of the Armed Forces on active duty?
-OR-
Are you the spouse of a member of the Armed Forces who retired with a disability rating of 100 percent at the time of retirement or the spouse of a member of the Armed Forces who retired or separated from the Armed Forces and has a disability rating of 100 percent from the Department of Veterans Affairs?
-OR-
Are you the un-remarried widow or widower of a member of the Armed Forces killed while in active duty status?
For more information, review USAJOBS Veterans resources.
-OR-
Are you the spouse of a member of the Armed Forces who retired with a disability rating of 100 percent at the time of retirement or the spouse of a member of the Armed Forces who retired or separated from the Armed Forces and has a disability rating of 100 percent from the Department of Veterans Affairs?
-OR-
Are you the un-remarried widow or widower of a member of the Armed Forces killed while in active duty status?
For more information, review USAJOBS Veterans resources.
5.
Are you a current or former permanent Farm Service Agency County employee?
6.
Are you a current Federal employee who currently holds a career or career conditional appointment?
7.
Are you a Federal employee who currently holds a career or career conditional appointment AND you have held or currently hold a position on a permanent basis in the competitive service with the same or higher promotion potential of the position being advertised?
8.
Are you a current or former federal employee displaced from a position in a Federal agency other than USDA? If yes, confirm:
• you are located in the same local commuting area as the vacancy; AND,
• you are applying to a position that is at or below the grade level of the position from which you were or will be separated; AND,
• you are applying to a position that does not have greater promotion potential than the position from which you were or will be separated; AND,
• your last performance rating of record is at least fully successful or the equivalent.
For more information, review the USAJOBS Help Center.
• you are located in the same local commuting area as the vacancy; AND,
• you are applying to a position that is at or below the grade level of the position from which you were or will be separated; AND,
• you are applying to a position that does not have greater promotion potential than the position from which you were or will be separated; AND,
• your last performance rating of record is at least fully successful or the equivalent.
For more information, review the USAJOBS Help Center.
9.
Are you a current or former employee of a land management agency (Forest Service; Bureau of Land Management; National Park Service; Fish and Wildlife Service; Bureau of Indian Affairs; or Bureau of Reclamation) who is claiming eligibility under the Land Management Workforce Flexibility Act and:
• was originally hired to a time-limited position under a competitive appointment; and,
• served one or more time-limited appointments at a land management agency for a period totaling more than 24 months without a single break in service of two or more years; and,
• performed at an acceptable level during each period of service; and,
• if no longer employed by the land management agency, have been separated for no more than two years, and whose most recent separation was for reasons other than misconduct or performance.
Note: Service must be in the competitive service and have been at a successful level of performance or better. Part-time and intermittent service will be credited only for time actually worked. Non-pay status (such as LWOP) is credited for up to six months in a calendar year; anything beyond six months is not credited. Applicants are responsible for providing sufficient information/documentation to determine if the 24 month criteria is met.
• was originally hired to a time-limited position under a competitive appointment; and,
• served one or more time-limited appointments at a land management agency for a period totaling more than 24 months without a single break in service of two or more years; and,
• performed at an acceptable level during each period of service; and,
• if no longer employed by the land management agency, have been separated for no more than two years, and whose most recent separation was for reasons other than misconduct or performance.
Note: Service must be in the competitive service and have been at a successful level of performance or better. Part-time and intermittent service will be credited only for time actually worked. Non-pay status (such as LWOP) is credited for up to six months in a calendar year; anything beyond six months is not credited. Applicants are responsible for providing sufficient information/documentation to determine if the 24 month criteria is met.
10.
Do you have a severe intellectual disability, severe physical disability, or psychiatric disability that qualifies you for a Schedule A Disability appointment?
For more information, review USAJOBS Individuals with Disabilities resources.
For more information, review USAJOBS Individuals with Disabilities resources.
11.
Have you registered for reemployment consideration AND meet one of the below:
• Are you a current or former competitive service USDA employee who will be or was separated by Reduction-In-Force (RIF) and received a rating of satisfactory or above as your last annual performance rating?
OR
• Are you a former USDA competitive service employee who separated due to a compensable injury or disability?
• Are you a current or former competitive service USDA employee who will be or was separated by Reduction-In-Force (RIF) and received a rating of satisfactory or above as your last annual performance rating?
OR
• Are you a former USDA competitive service employee who separated due to a compensable injury or disability?
12.
Are you:
• a veteran whose latest discharge was under honorable conditions AND you served three or more years of continuous active duty service in the military (Note: if released shortly before completing a 3-year tour, you are considered to meet the eligibility); OR,
• eligible for veterans' preference?
Note: If you are currently on active duty you may be considered under the two provisions above provided you submit a certification of expected discharge or release from active duty service under honorable conditions not later than 120 days after the date the certification is submitted.
For more information, review USAJOBS Veterans resources.
• a veteran whose latest discharge was under honorable conditions AND you served three or more years of continuous active duty service in the military (Note: if released shortly before completing a 3-year tour, you are considered to meet the eligibility); OR,
• eligible for veterans' preference?
Note: If you are currently on active duty you may be considered under the two provisions above provided you submit a certification of expected discharge or release from active duty service under honorable conditions not later than 120 days after the date the certification is submitted.
For more information, review USAJOBS Veterans resources.
Preferences
1.
Select the lowest grade you are willing to accept for this position.
Assessment 1
Thank you for your interest in the Loan Specialist (Commercial) position. Please complete the following questionnaire and ensure there is alignment between your application and the response provide. Thank you.
1.
Have you read the "Required Documents" section of the vacancy announcement and understand that your resume must include all specific information as outlined, such as 1) personal information that includes name, address, contact information; 2) education; 3) detailed work experience related to this position as described in the major duties including work schedule, hours worked per week, dates of employment; title, series, grade for each job on your resume (if applicable); 4) other qualifications and do you understand that failure to submit all required information or legible documents prior to the closing date of the announcement will result in loss of consideration?
2.
Select the following statement that is most applicable to your specialized experience qualifications for GS-09 as stated in this announcement.
3.
Select the following statement that is most applicable to your specialized experience qualifications for GS-11 as stated in this announcement.
Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided.
4.
Conduct extensive investigations and analysis to determine loan applicant's credit worthiness.
5.
Process a variety of special servicing actions (e.g. transfers, consolidations and re-amortizations).
6.
Review and process loan disbursement requests
7.
Prepare and submit various loan documents
8.
Review and recommend approval or disapproval of loan/grant cases.
9.
Determine eligibility for loans and repayment ability.
10.
Evaluate financial and credit risk factors involved in granting, guaranteeing, or insuring loans.
11.
Perform review of annual audits, financial statements, and operating budgets.
12.
Review applications for commercial or business loans with complex asset/liability/working capital, and financial situations.
13.
Analyze a diverse commercial, business loans, and/or municipal loan portfolio.
14.
Analyze cash flow of individuals, businesses, or municipalities to determine ability to repay.
15.
Analyze consumer credit reports to determine creditworthiness.
16.
Analyze personal financial statements to determine such factors as net worth, liquidity, available collateral, business and investment holding, poor financial position, etc.
17.
Review, analyze, and evaluate the full range of business or municipal related financial statements for small to large sized businesses to determine financial conditions.
18.
Research and analyze problems and recommend solutions.
19.
Review legal instruments and documents required to close business, and commercials loans, and/or municipal loans.
20.
Research regulations and analyze credit needs/terms to determine whether the loan should be approved, continued, modified or liquidated.
21.
Ensure regulations are adhered to in complex cases such as bankruptcies, foreclosures, acquisitions, and maintenance and disposal of inventory property.
22.
Gather, review and analyze financial statements, tax returns, past productions history, economic conditions, real estate values, legal instruments, security requirements, environmental hazards, partnership agreements, to approve/disapprove a loan.
23.
Assess the financial and management condition of the business, individual. Or municipality and prepare a loan officers report.
24.
Gather, compile and analyze financial information,
25.
Process and recommend decisions on residential and business loans.
26.
Analyze complex business financial statements or consolidated tax returns.
27.
Research and gather information to answer inquiries from the general public and program personnel.
28.
Identify errors or inconsistencies with loan and servicing documents.
29.
Analyzed a variety of marketing approaches and recommended the most advantageous method(s) for improved business operations.
30.
Ensured that the civil rights of applicants/borrowers are protected and strive to meet the needs of socially disadvantaged and minority applicants and borrowers.
31.
Which of the following most accurately reflects your highest level of experience managing project or program initiative?
32.
From the following list of leadership skills, please identify those that you have routinely applied in a formal work setting.
Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided.
33.
I have handled multiple projects and duties simultaneously, delegating assignments, prioritizing as needed, to meet established deadlines.
34.
Explain complex issues and giving detailed answers to difficult questions in a one on one situation with a customer.
35.
Explain policy and/or regulations in a one on one situation with a customer.
36.
Attend public meetings with various groups and associations, and perform public relations and outreach activities.
37.
Provide advice and guidance of a factual nature regarding established issues.
38.
Present finding and/or evaluated data through briefs or formal presentation.
39.
Work with contacts of all levels within the agency to obtain or disseminate information as needed.
40.
Provide technical advice and assistance to lenders, borrowers, and applicants.
41.
Respond in a written format to a full range of inquiries concerning commercial loans, reports and other correspondence.
42.
Prepare complex reports or similar loan and/or grant correspondence.
43.
Process or analyze data using computer systems or applications.
44.
Prepare routine presentation materials for small groups.
45.
Review written submissions for conformance with instructions, completeness and presence of necessary authorizations.
46.
Assist with the review of written submissions for substance, conformance with instructions, completeness and authorizations.
47.
Your responses to the Announcement and Assessment Questionnaires, along with your resume and all supporting documentation are subject to evaluation and verification to ensure accuracy. Submitting false information or attempts to falsify information may be grounds for disqualifying you or for terminating you after you have been hired. Please take this opportunity to review your responses to ensure their accuracy.