- Position Title
- Loan Specialist (Commercial)
- Agency
- Agriculture, Rural Development
- Announcement Number
- DE-NY-12121527-2023-SD Opens in new window
- Open Period
- Tuesday, September 12, 2023 to Monday, September 25, 2023
For preview purposes only. To apply, please return to the USAJOBS announcement and click the Apply button.
Eligibilities
1.
Do you claim Veterans’ Preference?
2.
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.
3.
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.
4.
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?
Preferences
1.
Select the lowest grade you are willing to accept for this position.
2.
Are you a current or former Political appointee, Presidential appointee, and/or non-career Senior Executive Service (SES) appointee?
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 (MM/YY); 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.
Experience as a commercial loan officer of a financial institution with responsibility for making determination for approval or decline of a business or commercial loan on a regular basis.
5.
Prepare and submit various loan documents
6.
Review and recommend approval or disapproval of loan/grant cases.
7.
Determine eligibility for loans and repayment ability.
8.
Approval applications for real estate and/or commercial loans
9.
Evaluate financial and credit risk factors involved in granting, guaranteeing, or insuring loans.
10.
Conduct site visits
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.
Use computer programs to process loans.
15.
Analyze personal financial statements to determine such factors as net worth, liquidity, available collateral, business and investment holding, poor financial position, etc.
16.
Process loans for homeowners or businesses requesting loan funds, to purchase, refinance or construct relocation property.
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 regulations and analyze credit needs/terms to determine whether the loan should be approved, continued, modified or liquidated.
19.
Ensure regulations are adhered to in complex cases such as bankruptcies, foreclosures, acquisitions, and maintenance and disposal of inventory property.
20.
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.
21.
Assess the financial and management condition of the business, individual. Or municipality and prepare a loan officers report.
22.
Gather, compile and analyze financial information,
23.
Research and gather information to answer inquiries from the general public and program personnel.
24.
Assist borrowers/applicants in complying with the loan requirements (i.e. Promissory notes, mortgages, deeds of trust, security agreements, etc.)
25.
Ensured that the civil rights of applicants/borrowers are protected and strive to meet the needs of socially disadvantaged and minority applicants and borrowers.
26.
Which of the following do you have on the job experience with? Select all that apply.
27.
Which of the following most accurately reflects your highest level of experience managing project or program initiative?
28.
Which of the following best describes your experience managing and directing loan and/or grant programs?
Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided.
29.
Explain complex issues and giving detailed answers to difficult questions in a one on one situation with a customer.
30.
Attend public meetings with various groups and associations, and perform public relations and outreach activities.
31.
Provide advice and guidance of a factual nature regarding established issues.
32.
Skill in verbal communication such as handling interviews with members of the media and briefing borrowers and/or lenders.
33.
Develop and/or assist in the development of standard operating procedures, business manuals, business profiles, or negotiated agreements for an organization.
34.
Write clear and concise documents such as guides, reports, talking points, training manuals, presentations, memorandums, and various internal communications materials.
35.
Prepare routine presentation materials for small groups.
36.
Assist with the review of written submissions for substance, conformance with instructions, completeness and authorizations.
37.
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.