Demo

LOAN SPECIALIST (COMML)

Agriculture, Rural Development
Tuscaloosa, AL Full Time
POSTED ON 1/15/2025
AVAILABLE BEFORE 4/7/2025

Summary

This position is located in a State or Area office in USDA / Rural Development (RD). The incumbent has responsibility for making and servicing loans / grants for selected loans and grants for rural facilities, utilities, and / or businesses.

This vacancy announcement is open to current permanent Rural Development employees only.

Remote / Virtual position : NO

This job is open to

  • Internal to an agency

Current federal employees of this agency.

  • Career transition (CTAP, ICTAP, RPL)
  • Federal employees who meet the definition of a "surplus" or "displaced" employee.

    Clarification from the agency

    Applications will be accepted only from current permanent RD employees with competitive status; and CTAP / RPL eligible candidates.

    Videos

    Duties

  • Review and analyze preapplications, applications and all supporting documents to determine loan or grant eligibility and inputs data into appropriate automated database system.
  • Review file for completeness and compliance with all prescribed regulations and practices before loan closing.
  • Analyze financial and credit data documents to make sound eligibility, feasibility, and credit-worthiness determinations and takes appropriate action for orderly
  • processing of the loan and / or grant.

  • Work with a program specialist and / or supervisor in the development and implementation of an outreach and marketing program for the servicing area.
  • Review financial records to recommend loans for graduation and / or refinancing.
  • Requirements

    Conditions of Employment

  • You must be a US Citizen or US National.
  • Males born after 12 / 31 / 1959 must be Selective Service registered or exempt.
  • Subject to satisfactory adjudication of background investigation and / or fingerprint check.
  • Successful completion of one year probationary period, unless previously served.
  • Subject to one year supervisory / managerial probationary period unless prior service is creditable. New USDA supervisors must successfully complete all components of the required training program before the end of their probationary period.
  • Direct Deposit - Per Public Law 104-134 all Federal employees are required to have federal payments made by direct deposit to their financial institution.
  • Successfully pass the E-Verify employment verification check. To learn more about E-Verify, including your rights and responsibilities, visit
  • Qualifications

    Applicants must meet all qualifications and eligibility requirements by the closing date of the announcement including time-in-grade restrictions, specialized experience and / or education, as defined below.

    Time in grade : Current federal employees applying for a promotion opportunity must meet time-in-grade (TIG) requirement of 52 weeks of service at the next lower grade level in the normal line of progression for the position being filled.

    For the GS-9 level : Applicants must have 1 year of specialized experience equivalent to at least the GS- 07; or its non-Federal equivalent that demonstrate experience assisting higher graded specialists with loan underwriting, for example, experience processing single family loans up to the point of final approval by a specialist with loan approval authority, i.e., examining applications, credit reports and other supporting documents; or assisting loan specialists with servicing activities on commercial loans for small projects.

    OR - Masters or equivalent graduate degree in a related field, or 2 full years of progressively higher-level graduate education leading to such a degree,

    OR - LLB or J.D., if related (see qualifying fields of study below)

    OR - a combination of education as described and specialized experience.

    For the GS-11 level : Applicants must have 1 year of specialized experience equivalent to at least the GS-09; or its non-Federal equivalent that demonstrate thorough knowledge and understanding of complex mortgage or commercial loan making / servicing and credit principles and practices in order to assess the fundamental soundness of business loans and loans to corporate and / or municipal entities and to independently examine applications and corporate financial documents, and maintain servicing activities on a variety of mortgage and commercial loans. Experience may have been gained in work equivalent to analyzing financial information provided by loan applicants, determining eligibility for loans and repayment ability, reviewing and approving applications for agricultural, commercial, and bank loans, servicing a loan portfolio of a bank and other loan association, performing financial analysis of commercial concerns for investment purposes, appraising real estate and business property to determine property valuation, or similar work.

    OR Ph.D. or equivalent doctoral degree or 3 full years of progressively higher level graduate education leading to such a degree or LL.M., if related (see qualifying fields of study below).

    OR a combination of education as described and specialized experience.

    Education : Undergraduate and Graduate Education : Major study finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or other fields related to the position, such as agriculture, agricultural economics, farm, livestock or ranch management, or rural sociology.

    NOTE : To be considered for this position, you must meet all qualification and eligibility requirements for the GS-1165 series set forth in the Office of Personnel Management (OPM) Qualification Standards by the closing date of the announcement. A copy is available at :

    Experience refers to paid and unpaid experience, including volunteer work done through National Service programs (e.g., Peace Corps, AmeriCorps) and other organizations (e.g., professional; philanthropic; religious; spiritual; community, student, social). Volunteer work helps build critical competencies and can provide valuable training and experience that translates directly to paid employment. You will receive credit for all qualifying experience, including volunteer experience.

    Education

    Education : Undergraduate and Graduate Education : Major study finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or other fields related to the position, such as agriculture, agricultural economics, farm, livestock or ranch management, or rural sociology.

    Additional information

    Career Transition Assistance Plan (CTAP), Reemployment Priority List (RPL), Visit the OPM website for information on how to apply as a CTAP, RPL eligible. To exercise selection priority for this vacancy, CTAP / RPL candidates must meet the basic eligibility requirements and all selective factors. CTAP candidates must be rated and determined to be well qualified (or above) based on an evaluation of the competencies listed in the How You Will Be Evaluated section. When assessed through a score-based category rating method, CTAP applicants must receive a rating of at least 85 out of a possible 100.

  • To be eligible for appointment to this position, the new hire must be cleared to come on board once the results of the fingerprint check, review of the OF-306, Declaration for Federal Employment, and the candidate's Electronic Questionnaires for Investigations Processing (eQIP) entries have been reviewed and determined to be satisfactory. This position requires a favorable credit check as part of the background investigation.
  • If selected, you will be required to submit Form OGE-450 within 30 days of your initial appointment date, and annually thereafter. Selectee is subject to financial Disclosure Requirements in accordance with 5 CFR, Part 2635, Sub part E regarding business or personal transactions with applicants, borrowers, or business contacts who have or who are seeking business with this Agency. Selectee must be able to obtain and maintain a security clearance. If selected you will be subject to a National Agency Check and Inquiry (NACI) and a credit report.
  • Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc) should contact : USDA's TARGET Center at 202-720-2600 (voice and TDD).
  • This position may be eligible to telework up to four days per week, based upon the duties of the position. This position may also be eligible for flexible work arrangements as determined by agency policy and any applicable collective bargaining agreements.

  • Benefits
  • A career with the U.S. government provides employees with a comprehensive benefits package. As a federal employee, you and your family will have access to a range of benefits that are designed to make your federal career very rewarding. Opens in a new windowLearn more about federal benefits.

    Eligibility for benefits depends on the type of position you hold and whether your position is full-time, part-time or intermittent. Contact the hiring agency for more information on the specific benefits offered.

    How You Will Be Evaluated

    You will be evaluated for this job based on how well you meet the qualifications above.

    You will be evaluated based on your qualifications for this position as evidenced by the experience, education, and training you described in your application package, as well as the responses to the Assessment Questionnaire to determine the degree to which you possess the knowledge, skills, abilities and competencies listed below :

  • Knowledge of Building Standards, Costs, Specifications and Contracts
  • Knowledge of Commercial and Community Program servicing requirements.
  • Knowledge of Commercial and Community Programs loan and / or grant making requirements.
  • Oral Communication
  • Program Administration / Project Management
  • Written Communication
  • Your application, including the online Assessment Questionnaire, will be reviewed to determine if you meet (a) minimum qualification requirements and (b) the resume supports the answers provided to the job-specific questions. Your resume must clearly support your responses to all the questions addressing experience and education relevant to this position. Applicants who meet the minimum qualification requirements and are determined to be among the best qualified candidates will be referred to the hiring manager for consideration. Noncompetitive candidates and applicants under some special hiring authorities need only meet minimum qualifications to be referred.

    Note : If after reviewing your resume and / or supporting documentation, a determination is made that you have inflated your qualifications and or experience, your score may be adjusted to more accurately reflect your abilities, or you may be found ineligible. Please follow all instructions carefully. Errors or omissions may affect your rating. Providing inaccurate information on Federal documents could be grounds for non-selection or disciplinary action up to including removal from the Federal service.

    Clicking the link below will present a preview of the application form; i.e. the online questionnaire. The application form link below will only provide a preview and does not initiate the application process. To initiate the online application process, click the "Apply" button to the right.

    To view the application form, visit :

  • Benefits
  • A career with the U.S. government provides employees with a comprehensive benefits package. As a federal employee, you and your family will have access to a range of benefits that are designed to make your federal career very rewarding. Opens in a new windowLearn more about federal benefits.

    Eligibility for benefits depends on the type of position you hold and whether your position is full-time, part-time or intermittent. Contact the hiring agency for more information on the specific benefits offered.

  • Required Documents
  • As a new or existing federal employee, you and your family may have access to a range of benefits. Your benefits depend on the type of position you have - whether you're a permanent, part-time, temporary or an intermittent employee. You may be eligible for the following benefits, however, check with your agency to make sure you're eligible under their policies.

    The following documents are required for your applicant package to be complete. Our office cannot be responsible for incompatible software, your system failure, etc. Encrypted documents will not be accepted. Failure to submit required, legible documents may result in loss of consideration.

    Resume that includes : 1) personal information such as 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 (if applicable);4) other qualifications.

  • If education is required or you are using education to qualify, you must submit a copy of your college transcripts. An unofficial copy is sufficient with the application if it includes your name and the necessary course information; however, if you are selected, you will be required to submit official transcripts prior to entering on duty. Education must have been successfully obtained from an accredited school, college or university. If any education was completed at a foreign institute, you must submit with your application evidence that the institute was appropriately accredited by an accrediting body recognized by the U.S. Department of Education as equivalent to U.S. education standards. There are private organizations that specialize in this evaluation and a fee is normally associated with this service. For a list of private organizations that evaluate education, visit the NACES website. All transcripts must be in English or include an English translation.
  • Current and former Federal employees :
  • Most recent non-award Notification of Personnel Action (SF-50) showing you are / were in the competitive service, highest grade held (or promotion potential) on a permanent basis, position title, series and grade AND

  • Most recent performance appraisal (dated within 18 months) showing the official rating of record, signed by a supervisor, or statement why the performance appraisal is unavailable. A performance plan is not an acceptable substitute.
  • Surplus or displaced employees eligible for CTAP, RPL priority must provide : proof of eligibility (RIF separation notice, notice of proposed removal for declining a transfer of function or directed reassignment to another commuting area, notice of disability annuity termination), SF-50 documenting separation (as applicable), and your most recent SF-50 noting position, grade level, and duty location with your application per 5 CFR 330.
  • If claiming eligibility under a special hiring authority or an interchange agreement with another merit system not listed above, see the requirements for that authority and submit the required supporting documentation. Go to : USAJOBS Hiring Path for Special Authorities or Special Hiring Authority for more information.
  • How to Apply
  • Please read the entire announcement and all instructions before you begin. You must complete this application process and submit all required documents electronically by 11 : 59p.m. Eastern Time (ET) on the closing date of this announcement.

    Applying online is highly encouraged. We are available to assist you during business hours (normally 8 : 00a.m. - 4 : 00p.m., Monday - Friday). If applying online poses a hardship, contact the Agency Contact listed below well before the closing date for an alternate method. All hardship application packages must be complete and submitted no later than noon ET on the closing date of the announcement to be entered into the system prior to its closing.

    This agency provides reasonable accommodation to applicants with disabilities on a case-by-case basis; contact the Agency Contact to request this.

    To begin, click "Apply Online" and follow the instructions to complete the Assessment Questionnaire and attach your resume and all required documents.

    NOTE : Please verify that documents you are uploading from USAJOBs transfer into the Agency's staffing system as there is a limitation to the number of documents that can be transferred. However, once in the Agency's staffing system, you will have the opportunity to upload additional documents. Uploaded resumes must be less than 5MB and in one of the following document formats : GIF, JPG, JPEG, PNG, RTF, PDF, TXT or Word (DOC or DOCX). Do not upload Adobe Portfolio documents because they are not viewable.

    Agency contact information

    Denise Skidmore

    Phone

    0000000000

    Email

    denise.skidmore@usda.gov

    Address

    Rural Development

    1400 Independence Ave SW

    Washington, DC 20250

    Next steps

    Your application will be reviewed to verify that you meet the eligibility and qualification requirements for the position prior to issuing referral lists to the selecting official. If further evaluation or interviews are required, you will be contacted. Log in to your USAJOBS account to check your application status.

    Multiple positions may be filled from this announcement.

    Under the Fair Chance Act, agencies are not allowed to request information about an applicant's criminal history until a conditional offer of employment has been made, except as allowed for access to classified information; assignment to national security duties or positions; acceptance or retention in the armed forces; or recruitment of a Federal law enforcement officer. An applicant may submit a complaint or any other information related to an organization's alleged noncompliance with the Fair Chance Act. The complaint must be submitted within 30 calendar days of the date of the alleged noncompliance. To make a Fair Chance Act inquiry or complaint, send an email with the appropriate information to david.root@usda.gov subject line : Fair Chance Act.

  • Fair and Transparent
  • The Federal hiring process is set up to be fair and transparent. Please read the following guidance.

    Criminal history inquiries

  • Equal Employment Opportunity (EEO) Policy
  • Financial suitability
  • New employee probationary period
  • Privacy Act
  • Reasonable accommodation policy
  • Selective Service
  • Signature and false statements
  • Social security number request
  • Required Documents

    The following documents are required for your applicant package to be complete. Our office cannot be responsible for incompatible software, your system failure, etc. Encrypted documents will not be accepted. Failure to submit required, legible documents may result in loss of consideration.

  • Resume that includes : 1) personal information such as 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 (if applicable);4) other qualifications.
  • If education is required or you are using education to qualify, you must submit a copy of your college transcripts. An unofficial copy is sufficient with the application if it includes your name and the necessary course information; however, if you are selected, you will be required to submit official transcripts prior to entering on duty. Education must have been successfully obtained from an accredited school, college or university. If any education was completed at a foreign institute, you must submit with your application evidence that the institute was appropriately accredited by an accrediting body recognized by the U.S. Department of Education as equivalent to U.S. education standards. There are private organizations that specialize in this evaluation and a fee is normally associated with this service. For a list of private organizations that evaluate education, visit the NACES website. All transcripts must be in English or include an English translation.
  • Current and former Federal employees :
  • Most recent non-award Notification of Personnel Action (SF-50) showing you are / were in the competitive service, highest grade held (or promotion potential) on a permanent basis, position title, series and grade AND

  • Most recent performance appraisal (dated within 18 months) showing the official rating of record, signed by a supervisor, or statement why the performance appraisal is unavailable. A performance plan is not an acceptable substitute.
  • Surplus or displaced employees eligible for CTAP, RPL priority must provide : proof of eligibility (RIF separation notice, notice of proposed removal for declining a transfer of function or directed reassignment to another commuting area, notice of disability annuity termination), SF-50 documenting separation (as applicable), and your most recent SF-50 noting position, grade level, and duty location with your application per 5 CFR 330.
  • If claiming eligibility under a special hiring authority or an interchange agreement with another merit system not listed above, see the requirements for that authority and submit the required supporting documentation. Go to : USAJOBS Hiring Path for Special Authorities or Special Hiring Authority for more information.
  • How to Apply

    Please read the entire announcement and all instructions before you begin. You must complete this application process and submit all required documents electronically by 11 : 59p.m. Eastern Time (ET) on the closing date of this announcement.

    Applying online is highly encouraged. We are available to assist you during business hours (normally 8 : 00a.m. - 4 : 00p.m., Monday - Friday). If applying online poses a hardship, contact the Agency Contact listed below well before the closing date for an alternate method. All hardship application packages must be complete and submitted no later than noon ET on the closing date of the announcement to be entered into the system prior to its closing.

    This agency provides reasonable accommodation to applicants with disabilities on a case-by-case basis; contact the Agency Contact to request this.

    To begin, click "Apply Online" and follow the instructions to complete the Assessment Questionnaire and attach your resume and all required documents.

    NOTE : Please verify that documents you are uploading from USAJOBs transfer into the Agency's staffing system as there is a limitation to the number of documents that can be transferred. However, once in the Agency's staffing system, you will have the opportunity to upload additional documents. Uploaded resumes must be less than 5MB and in one of the following document formats : GIF, JPG, JPEG, PNG, RTF, PDF, TXT or Word (DOC or DOCX). Do not upload Adobe Portfolio documents because they are not viewable.

    Agency contact information

    Denise Skidmore

    Phone

    0000000000

    Email

    denise.skidmore@usda.gov

    Address

    Rural Development

    1400 Independence Ave SW

    Washington, DC 20250

    Next steps

    Your application will be reviewed to verify that you meet the eligibility and qualification requirements for the position prior to issuing referral lists to the selecting official. If further evaluation or interviews are required, you will be contacted. Log in to your USAJOBS account to check your application status.

    Multiple positions may be filled from this announcement.

    Under the Fair Chance Act, agencies are not allowed to request information about an applicant's criminal history until a conditional offer of employment has been made, except as allowed for access to classified information; assignment to national security duties or positions; acceptance or retention in the armed forces; or recruitment of a Federal law enforcement officer. An applicant may submit a complaint or any other information related to an organization's alleged noncompliance with the Fair Chance Act. The complaint must be submitted within 30 calendar days of the date of the alleged noncompliance. To make a Fair Chance Act inquiry or complaint, send an email with the appropriate information to david.root@usda.gov subject line : Fair Chance Act.

    Fair & Transparent

    The Federal hiring process is set up to be fair and transparent. Please read the following guidance.

  • Criminal history inquiries
  • Equal Employment Opportunity (EEO) Policy
  • Financial suitability
  • New employee probationary period
  • Privacy Act
  • Reasonable accommodation policy
  • Selective Service
  • Signature and false statements
  • Social security number request
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