Loan Review Specialist, CG-1160-11,Federal Deposit Insurance Corporation,10-16-2018,USA Gov

Deadline:2018-10-31

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Overview

  • Open & closing dates

    10/16/2018 to 10/31/2018

  • Service

    Competitive

  • Pay scale & grade

    CG 11

  • Salary

    $67,189 to $123,993 per year

  • Appointment type

    Permanent

  • Work schedule

    Full-Time – Competitive Service

Locations

3 vacancies in the following locations:

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    Nashville, TN


    1 vacancy

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    Houston, TX


    1 vacancy

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    Lubbock, TX


    1 vacancy

Relocation expenses reimbursed

Yes
Relocation benefits will be provided.

Telework eligible

Yes as determined by agency policy

This job is open to

  •  

    Individuals with disabilities

  •  

    Career transition (CTAP, ICTAP, RPL)

    Federal employees who meet the definition of a “surplus” or “displaced” employee.

  •  

    Land & base management

    Certain current or former term or temporary federal employees of a land or base management agency.

  •  

    Military spouses

  •  

    Family of overseas employees

    Family members of a federal employee or uniformed service member who is, or was, working overseas.

  •  

    Peace Corps & AmeriCorps Vista

  •  

    The public

    U.S. citizens, nationals or those who owe allegiance to the U.S.

  •  

    Special authorities

    Individuals eligible under a special authority not listed above, but defined in the federal hiring regulations.

  •  

    Students

    Current students enrolled in accredited educational institutions from high school to graduate level. Includes internships, pathways and other student programs.

  •  

    Veterans

Clarification from the agency

Applicants with status (i.e., current permanent Federal employees in the competitive service and former Federal employees with reinstatement eligibility); those eligible for appointment under special hiring authorities; and veterans eligible for a VEOA appointment. Applicants without status should apply under FDIC announcement 2018-DAL-B0079 to be considered.

This job is also open in another announcement to:

  •  

    The public

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Announcement number

2018-DAL-B0082

Control number

514174500

  • Help

    Duties

    Summary

    These positions are located in the Division of Risk Management Supervision,in the Houston, Lubbock and Nashville Field Offices of the Dallas Region of the Federal Deposit Insurance Corporation and provides support in the areas of Risk Management.

    Additional selections may be made from this vacancy announcement to fill identical vacancies that occur subsequent to this announcement.

    The locality salary is determined according to the location.  They range for low of 6.58% to a high of 22.82%.

    Learn more about this agency

    Responsibilities

    • Evaluates underwriting and credit administration practices (i.e. terms and structure of loans, including length, interest rate, conveyances and pay terms) on loans.
    • Evaluates financial institutions’ management performance on correcting issues identified in formal and informal enforcement actions related to lending function.
    • Assesses adequacy of loan policies. Determines if loans are made within the bank’s policy and in compliance with governing laws and regulations.
    • Prepares a list of technical exceptions (documentation deficiencies) for bank management.
    • Discusses findings with the examiner supervising the loan review and/or the Examiner-in-charge.
    • Makes recommendations with Examiner-in-charge oversight regarding loan portfolio deficiencies.
    • Communicates with coworkers regarding work performed on an examination to ensure that all aspects of the examination are completed.
    • Shares information with coworkers regarding examination information.
    • Interacts/meets with persons such as bank management, bank personnel, board of directors, third party vendors, attorneys, and external auditors during an examination by performing such tasks as: providing support for loan classifications, answering questions, conducting status meetings with bank personnel during the course of the examination.
    • Reviews unusual or complex loan files.
    • Determines if individual credits should receive Pass, Criticized as Special Mention, or Classified Substandard, Doubtful or Loss Rating.
    • Determines appropriate loan loss allocations/reserve amounts for loan portfolio.
    • Support Decisions on loan classification both in face to face discussions and in writing.
    • Prepares loan write-ups as required by outstanding RMS examination guidance.
    • Prepares and documents FDIC Financial Institution Examination Line Sheets, complete Financial Statement Cards and Real Estate Cards.
    • Notes credit file documentation deficiencies on the Line Sheet.
    • Prepares loan classification list for bank management.
    • Reviews and evaluates relatively complex or other real estate files for proper documentation and accounting treatment, preparing ORE line sheet based on analysis, and assigning classifications.
    • Reviews compliance with legal lending limits and also identifies concentrations of credit.
    • Analyzes financial information, files documentation, and prepares questions for bank management regarding the credit reviewed.
    • Discusses concerns regarding specific loans and file documentation with bank management.

    Travel Required

    50% or less – This position requires overnight travel.

    Supervisory status

    No

    Promotion Potential

    11

  • Job family (Series)

    1160 Financial Analysis

  • Requirements

    Conditions of Employment

    Completion of Confidential Financial Disclosure may be required.

    Employment Conditions.

    Employee may be relocated to any duty location to meet management needs.

    Moderate Risk Position – Minimum Background Investigation (MBI) required.

    Registration with the Selective Service.

    U.S. Citizenship is required.

    Qualifications

    Qualifying experience may be obtained in the private or public sector. 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. Additional qualifications information can be found here.

    To qualify for this position, applicants must meet specialized experience as described below:

    Specialized Experience:  Applicants must have 1 year of specialized experience comparable to CG-9 level in Federal Service. Specialized experience is experience performing financial and loan/credit analysis (i.e., assessing repayment capacity, financial strength and collateral protection); determining credit quality; and recommending credit quality ratings to banking officials or regulators, and is equivalent to the work performed at the next lower grade level.

    Applicants must have met the qualification requirements (including selective placement factors – if any) for this position by the closing date OR within 30 calendar days of the closing date to be eligible for this position.

    OR you may qualify on education if you have a Ph.D or equivalent doctoral degree; or 3 years of progressively higher level full-time graduate education leading to such a degree; or a LL.M. 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.

    OR you may qualify if you possess a combination of both education and experience.

    Applicants eligible for ICTAP (Interagency Career Transition Assistance Program) must achieve a score of 85 “well qualified” for this position.  For more information, click here.

    Education

    A transcript must be submitted with your application if you are basing all or part of your qualifications on education.

    Additional information

    To read about your rights and responsibilities as an applicant for Federal employment, click here.

    If selected, you may be required to serve a probationary period.

    If selected, you may be required to serve a trial period.

    Read more

    How You Will Be Evaluated

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

    Your resume and the online assessment questionnaire will be reviewed, to determine whether you meet the qualification requirements outlined in this announcement.  Therefore, it is imperative that your resume contain sufficiently detailed information upon which to make the qualification determination.  Please ensure that your resume contains specific information such as position titles, beginning and ending dates of employment for each position, average number of hours worked per week, and if the position is/was in the Federal government, you should provide the position series and grade level.

    Your resume will also be evaluated to measure your responses to the assessment questions. If you rated yourself higher on the questionnaire than what is supported by your resume, your overall qualifications assessment may be adversely affected.

    The competencies/knowledge, skills, and abilities (KSAs) you will be assessed on are listed below.  Top ranked candidates will be referred to the selecting official for further review and consideration.

    1. Ability to analyze financial institutions’ practices and procedures.
    2. Ability to communicate with bank personnel, Board of Directors and a variety of other officials inside and outside of FDIC including in sensitive situations which require individual judgment.
    3. Ability to determine a borrower’s capacity to pay (e.g. balance sheet and income statement for a given period); protection (e.g. amount of collateral); and performance (e.g. history of payment, level of past due, debt to income ratio, cash flow analysis).
    4. Knowledge of financial industry practices regarding documentation and classification of loan/credit products in order to prepare loan write-ups for financial institution senior management.
    5. Knowledge of commercial loan documentation requirements for all types of credits, and an understanding of laws and regulations governing loan underwriting.

    You do not need to respond separately to these KSAs.  Your answers to the online questionnaire and resume will serve as responses to the KSAs.

    To preview questions please click here.

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    Background checks and security clearance

    Security clearance

    Public Trust – Background Investigation

    Drug test required

    No

  • Required Documents

    Please review the following to determine your eligibility and which document(s) is required to complete your application:

    VETERANS EMPLOYMENT OPPORTUNITY ACT (VEOA) ELIGIBLES AND SPECIAL HIRING AUTHORITIES FOR VETERANS: If you are applying for consideration under VEOA and special hiring authorities for veterans, click here.

    SPECIAL APPOINTING AUTHORITIES FOR PEOPLE WITH DISABILITIES: If you are
    applying for consideration under special appointing authorities for people with disabilities, you will be required to provide proof of disability documentation to specify that you are a person who (1) has a severe physical disability; (2) an intellectual disability; or (3) a psychiatric disability. Severe physical disabilities include but are not limited to blindness, deafness, paralysis, missing limbs, epilepsy and dwarfism. The documentation does NOT need to detail your specific disability, medical history or need for accommodation, however, the letter should clearly state that you are eligible for appointment under this authority. THE DOCUMENTATION MUST HAVE BEEN OBTAINED FROM: (a). Licensed medical professionals; or (b). State or private vocational rehabilitation specialists; or (c). Any Government agency (e.g. VA, etc.) that issues or provides disability benefit. To view sample Schedule A proof of disability letters and for more information on this special appointing authority, click here. Please note that employees hired under this Schedule A hiring authority will be required to complete a Standard Form 256 to identify their disability status.

    INTERAGENCY TRANSITION ASSISTANCE PROGRAM (ICTAP): If you are a
    displaced or surplus Federal employee eligible for consideration under the ICTAP, you must submit proof of eligibility. For more information, click here.

    CURRENT FEDERAL EMPLOYEES OR REINSTATEMENT ELIGIBLE WITH
    COMPETITIVE STATUS:
    A copy of your most recent SF Form 50, Notification of Personnel Action, that shows: (1) permanent or career-conditional tenure (codes 1 or 2, in block 24), and (2) position occupied in the competitive service (code 1, in block 34). To be considered as a non- competitive eligible candidate, the SF-50 must show the highest grade level or promotion potential level applicant has attained competitively and grade must be equivalent or higher than the grade for which applying.

    NONCOMPETITIVE CONVERSION ELIGIBLES UNDER A PATHWAYS PROGRAM: If you are applying under this noncompetitive conversion authority, you must provide proof of program completion. A letter from your current agency certifying completion is acceptable documentation.

    FDIC EMPLOYEES: Submit a final digitally signed copy of your most recent Annual Performance Appraisal and Evaluation form. The final PDF form is also acceptable.

    If you are relying on your education to meet qualification requirements:

    Education must be accredited by an accrediting institution recognized by the U.S. Department of Education in order for it to be credited towards qualifications. Therefore, provide only the attendance and/or degrees from
    schools accredited by accrediting institutions recognized by the U.S. Department of Education.

    Failure to provide all of the required information as stated in this vacancy announcement may result in an ineligible rating or may affect the overall rating.

  • 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. Learn more about federal benefits.

    In addition to the regular benefits offered by Federal agencies, the FDIC offers additional benefits to its employees.  These benefits, some at minimal cost, are some of the best and most competitive in both the private and public sectors.

    To find out more, click here.

    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 to Apply

    To begin, click the “Apply” button and follow the prompts. If you haven’t already, register and establish a USAJOBS account. After you register online, click the “Apply” button to complete the online assessment questionnaire, and submit all required documents. Please be sure to click “Submit Application” to complete the application process.

    You must apply online. Applicants requesting an exception from the online process must contact the Human Resources Specialist or contact point listed in this announcement prior to 12:00 noon local time on the closing date.

    To return to your saved application, log in to your USAJOBS account and click on “Applications” tab. Click on the “Position Title,” and then select “Update Application” or “Additional Application Information” to continue.

    You have until 11:59 p.m. EST (Eastern Standard Time) on the closing date of this announcement to complete the application process.

    Please ensure you have completed the application process by verifying the status of your application on-line to reflect: “Received”. Failure to complete the application process will result in an incomplete application and you will not be considered for the position.

    Read more

    Agency contact information

    Michelle Smith

    Phone

    972-761-8438

    TDD

    1/800-925-4618

    Fax

    000-000-0000

    Email

    michelsmith@fdic.gov

    Address

    Federal Deposit Insurance Corporation
    FDIC Human Resources Branch
    1601 Bryan Street
    Dallas,
    Texas
    75201
    United States

    Learn more about this agency

    Next steps

    You may check the status of your application on-line 24 hours a day, 7 days a week through USAJOBS by signing in and selecting “Application Status.” Thank you for your interest in working for the Federal Deposit Insurance Corporation.

    Read more

  • Fair & Transparent

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

    Equal Employment Opportunity Policy

    The United States Government does not discriminate in employment on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non-merit factor.

    • Equal Employment Opportunity (EEO) for federal employees & job applicants

    Read more

    Reasonable Accommodation Policy

    Federal agencies must provide reasonable accommodation to applicants with disabilities where appropriate. Applicants requiring reasonable accommodation for any part of the application process should follow the instructions in the job opportunity announcement. For any part of the remaining hiring process, applicants should contact the hiring agency directly. Determinations on requests for reasonable accommodation will be made on a case-by-case basis.

    A reasonable accommodation is any change to a job, the work environment, or the way things are usually done that enables an individual with a disability to apply for a job, perform job duties or receive equal access to job benefits.

    Under the Rehabilitation Act of 1973, federal agencies must provide reasonable accommodations when:

    • An applicant with a disability needs an accommodation to have an equal opportunity to apply for a job.
    • An employee with a disability needs an accommodation to perform the essential job duties or to gain access to the workplace.
    • An employee with a disability needs an accommodation to receive equal access to benefits, such as details, training, and office-sponsored events.

    You can request a reasonable accommodation at any time during the application or hiring process or while on the job. Requests are considered on a case-by-case basis.

    Read more

    Legal and regulatory guidance

    • Financial suitability
    • Social security number request
    • Privacy Act
    • Signature and false statements
    • Selective Service
    • New employee probationary period

This job originated on www.usajobs.gov. For the full announcement and to apply,
visit www.usajobs.gov/GetJob/ViewDetails/514174500.
Only resumes submitted according to the instructions on the job announcement listed at www.usajobs.gov will be considered.