Agriculture, Rural Development Logo
Position Title
Loan Specialist (Commercial)
Agency
Agriculture, Rural Development
Announcement Number
DE-OCA-12429553-2024-CV Opens in new window
Open Period
Friday, June 7, 2024 to Friday, August 16, 2024
For preview purposes only. To apply, please return to the USAJOBS announcement and click the Apply button.
Eligibilities
1. Do you claim Veterans’ Preference? (limit characters)
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.
 
 
(limit characters)
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.
 
 
(limit characters)
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?
(limit characters)
Preferences
1. Select the location(s) you want to be considered for. You must choose at least one location. (limit characters)
2. Select the lowest grade you are willing to accept for this position. (limit characters)
3. Are you a current or former Political appointee, Presidential appointee, and/or non-career Senior Executive Service (SES) appointee? (limit characters)
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. (limit characters)
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?
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2. Select the following statement that is most applicable to your specialized experience qualifications for GS-09 as stated in this announcement.
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3. Select the following statement that is most applicable to your specialized experience qualifications for GS-11 as stated in this announcement.
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4. Select the following statement that is most applicable to your specialized experience qualifications for GS-12 as stated in this announcement.
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Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided. (limit characters)
5. 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.
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6. Process a variety of special servicing actions (e.g. transfers, consolidations and re-amortizations).
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7. Review and process loan disbursement requests
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8. Prepare and submit various loan documents
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9. Review and recommend approval or disapproval of loan/grant cases.
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10. Recommend eligibility for loans and repayment ability.
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11. Evaluate financial and credit risk factors involved in granting, guaranteeing, or insuring loans.
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12. Prepare and monitor compliance reviews.
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13. Perform review of annual audits, financial statements, and operating budgets.
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14. Analyze cash flow of individuals, businesses, and/or municipalities to determine ability to repay.
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15. Analyze consumer credit reports to determine creditworthiness.
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16. Analyze personal financial statements to determine such factors as net worth, liquidity, available collateral, business and investment holding, poor financial position, etc.
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17. Plan, analyze and evaluate water and waste disposal loan-making and loan-servicing activities to resolve issues that arise.
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18. I provide technical advice and assistance on the following matters affecting the water and waste disposal loan and/or grant programs.
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Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided. (limit characters)
19. I have evaluated financial and credit risk factors involved in making loans and guarantees on proposals for businesses, municipalities, and non-profit organizations.
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20. Review and analyze professional financial feasibility reports on proposed projects.
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21. Explain contract documents, change orders, pay estimates, inspections, and warranty topics as part of conducting a preconstruction conference.
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22. Review, analyze, and evaluate the full range of business or municipal related financial statements for small to large sized businesses to determine financial conditions.
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23. Perform analysis of borrower's records and operations.
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24. Review legal instruments and documents required to close business, and commercials loans, and/or municipal loans.
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25. 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.
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26. Gather, compile, and analyze financial information,
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27. Process and recommend decisions on residential and business loans.
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28. Research and gather information to answer inquiries from the general public and program personnel.
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29. Identify errors or inconsistencies with loan and servicing documents.
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30. Analyzed a variety of marketing approaches and recommended the most advantageous method(s) for improved business operations.
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31. Ensured that the civil rights of applicants/borrowers are protected and strive to meet the needs of socially disadvantaged and minority applicants and borrowers.
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32. Which of the following do you have on the job experience with? Select all that apply.
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33. Which of the following best describes you experience in interpreting and applying national and local building codes?
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34. Which of the following most accurately reflects your highest level of experience managing project or program initiative?
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35. Which of the following statements best describes your highest level of experience and/or education in devising or recommending action plans, systems and procedures designed to promote more efficient operations or overcoming specific operating deficiencies?
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Select the one statement that most accurately describes your training and experience carrying out each task using the scale provided. (limit characters)
36. Outreach and marketing experience.
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37. I have handled multiple projects and duties simultaneously, delegating assignments, prioritizing as needed, to meet established deadlines.
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38. I comply with and support Equal Employment Opportunity policies and practices.
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39. Analyze and discuss industry trends and develop relationships with state organizations and agencies.
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40. Partner with state agencies for leveraged financing.
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41. Explain complex issues and giving detailed answers to difficult questions in a one on one situation with a customer.
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42. Explain policy and/or regulations in a one-on-one situation with a customer.
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43. Attend public meetings with various groups and associations and perform public relations and outreach activities.
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44. Provide advice and guidance of a factual nature regarding established issues.
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45. Present finding and/or evaluated data through briefs or formal presentation.
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46. Provide technical advice and assistance to lenders, borrowers, and applicants.
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47. I have conducted formal training sessions to agency officials describing new procedures, techniques and trends regarding guaranteed loans, loans, and grants of community programs.
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48. I have provided training to employees on new processes and procedures.
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49. Respond in a written format to a full range of inquiries concerning commercial loans, reports, and other correspondence.
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50. Write clear and concise documents such as guides, reports, talking points, training manuals, presentations, memorandums, and various internal communications materials.
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51. Develop, write, edit, design and coordinate outreach materials such as handouts, pamphlets, programs, and publications.
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52. Assist management in developing briefings and presentation and conference materials.
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53. Use graphics software to provide charts, and graphs for viewgraphs or paper presentations for briefings.
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54. I have prepared investigative reports, policies, procedures, and briefings of a highly technical nature for supervisory review.
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55. 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.
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