- Position Title
- Loan Specialist (Commercial)
- Agency
- Agriculture, Rural Development
- Announcement Number
- DE-MI-12122719-2023-MH Opens in new window
- Open Period
- Tuesday, September 19, 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 location(s) you want to be considered for. You must choose at least one location.
2.
Select the lowest grade you are willing to accept for this position.
3.
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; 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.
Conduct extensive investigations and analysis to determine loan applicant's credit worthiness.
6.
Prepare and submit various loan documents.
7.
Review and recommend approval or disapproval of loan/grant cases.
8.
Determine eligibility for loans and repayment ability.
9.
Approval applications for real estate and/or commercial loans.
10.
Conduct site visits.
11.
Perform review of annual audits, financial statements, and operating budgets.
12.
Prepare and monitor environmental assessments.
13.
Review applications for commercial or business loans with complex asset/liability/working capital, and financial situations.
14.
Analyze a diverse commercial, business loans, and/or municipal loan portfolio.
15.
Analyze cash flow of individuals, businesses, or municipalities to determine ability to repay.
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.
Perform analysis of borrower's records and operations.
20.
Review legal instruments and documents required to close business, and commercials loans, and/or municipal loans.
21.
Research regulations and analyze credit needs/terms to determine whether the loan should be approved, continued, modified or liquidated.
22.
Conduct extensive review of applicable regulations and legislation to resolve a wide range of controversial and/or sensitive situations (i.e., economic conditions, real estate values, environmental hazards, etc.).
23.
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.
24.
Assess the financial and management condition of the business, individual. Or municipality and prepare a loan officers report.
25.
Process and recommend decisions on residential and business loans.
26.
Research and gather information to answer inquiries from the general public and program personnel.
27.
Assist borrowers/applicants in complying with the loan requirements (i.e., Promissory notes, mortgages, deeds of trust, security agreements, etc.).
28.
Visit borrower's properties to review and analyze financial records and source documents.
29.
Which of the following most accurately reflects your highest level of experience managing project or program initiative?
30.
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.
31.
Outreach and marketing experience.
32.
I have handled multiple projects and duties simultaneously, delegating assignments, prioritizing as needed, to meet established deadlines.
33.
Explain complex issues and giving detailed answers to difficult questions in a one-on-one situation with a customer.
34.
Explain policy and/or regulations in a one-on-one situation with a customer.
35.
Attend public meetings with various groups and associations and perform public relations and outreach activities.
36.
Provide advice and guidance of a factual nature regarding established issues.
37.
Provide technical advice and assistance to lenders, borrowers, and applicants.
38.
Respond in a written format to a full range of inquiries concerning commercial loans, reports and other correspondence.
39.
Develop and/or assist in the development of standard operating procedures, business manuals, business profiles, or negotiated agreements for an organization.
40.
Develop new and persuasive approaches to presenting information in all types of environments.
41.
Write clear and concise documents such as guides, reports, talking points, training manuals, presentations, memorandums, and various internal communications materials.
42.
Prepare complex reports or similar loan and/or grant correspondence.
43.
Prepare routine presentation materials for small groups.
44.
Use graphics software to provide charts, and graphs for viewgraphs or paper presentations for briefings.
45.
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.