Loan Specialist (Commercial)

Department Of Agriculture Bangor , ME 04402

Posted 2 days ago

  • Duties

Help Duties Summary

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Responsibilities

The Loan Specialist (Commercial) position is with USDA Rural Development's Maine State Office and has responsibility for loan/grant-making and loan/grant servicing for programs administered by the agency's cooperative programs.

Reviews and analyzes loan and grant applications, pre-applications and all supporting documents for completeness and conformance with RD statutory regulations, policies, procedures and practices and inputs data into appropriate automated database systems.

Performs comprehensive review and in-depth analyses of financial credit data documents germane to the loan application eligibility, feasibility, credit-worthiness and viability within assigned loan portfolio(s).

Performs servicing actions to include site visits to determine a project's conformance with loan requirements; monitor civil rights compliance; evaluate/mitigate and/or prepare environmental assessments; and review key data to ensure multiyear forecasts are realistic.

Works with supervisor to develop and implement an outreach and marketing program for assigned loan portfolio(s).

Travel Required

Occasional travel - 1-5 days

Supervisory status

No

Promotion Potential
12

Who May Apply This job is open to

Current, permanent USDA Rural Development employees with competitive status, and USDA CTAP/RPL eligibles in the local commuting area.

Questions? This job is open to 2 groups.

  • Job family (Series)
    1165 Loan Specialist

  • Requirements

Help Requirements Conditions of Employment

Selectee must be able to obtain and maintain a security clearance. If selected you may be subject to a National Agency Check and Inquiry (NACI) and a credit report inquiry.

BACKGROUND INVESTIGATION AND FINGERPRINT CHECK: Selection and retention in this position is contingent on a successfully adjudicated FBI National Criminal History Check (fingerprint check) and a background investigation

CONFIDENTIAL FINANCIAL DISCLOSURE REPORT: 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.

Successful completion of a one-year probationary or trial period is required.

You must be a US Citizen or US National

Qualifications

Specialized experience is experience which is typically in or related to the position to be filled and which has equipped the applicant with the knowledge, skills and abilities to successfully perform the duties of the position. To be creditable, specialized experience must have been equivalent to at least one year in the next lower grade level in the normal line of progression for the occupation in the organization.

Time in grade: Applicants must meet one year at the next lower grade to be considered for the next higher grade. (e.g. one year at the GS-09 grade level for consideration for the GS-11 grade level.)

Applicants must meet all qualifications and eligibility requirements by the closing date of the announcement including the following specialized experience as identified by the grade.

GS-09

For the GS-09 level: Applicants must have 1 year of specialized experience equivalent to at least the GS-07; or its non-Federal equivalent that demonstrates: experience in performing loan making and/or loan servicing duties such as regularly examining loan applications, supporting documents and credit reports, and maintaining servicing activities of somewhat complex loans and/or grants; assisting higher level loan specialists by performing assigned portions of financial credit analysis in connection with more complex loans as a way of acquiring training and competency for more difficult loan examining and servicing assignments OR master's or equivalent graduate degree OR 2 full years of progressively higher level graduate education leading to such a degree or LL.B. or J.D., if related. Equivalent combination of education and experience are qualifying for this grade level.

GS-11

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

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, knowledge, and skills 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

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

Combining education and experience: Combinations of successfully completed post-high school education and experience may be used to meet total qualification requirements.

Determine your qualifying experience as a percentage of the experience required. Determine your education as a percentage of the education required. Add the two percentages.

The total percentage must equal at least 100 percent. Only graduate education in excess of one year may be used to qualify under this method.



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Loan Specialist (Commercial)

Department Of Agriculture