Summary
These positions are located in the Division of Risk Management Supervision (RMS), Knoxville, TN and Oklahoma City, OK Field Offices of the Federal Deposit Insurance Corporation (FDIC) and provide support in the areas of conducting and providing advisory services for the review of asset quality and classification of credits with regard to an FDIC Risk Management Examination.
The duty location is determined upon selection.
This job is open to
Clarification from the agency
These positions are open to all United States Citizens.
Duties
- Assesses and evaluates a variety of loans/credit, including complex commercial and high-risk credits, and the assessment of and compliance with loan covenants, cash flow analysis and ability to repay, reasonableness of projections, collateral analysis and valuation, and guarantor support.
- Advises examiners, bank management, and FDIC management on regulation, policies, and best practices for loan/credit services and compliance.
- Assesses the appropriateness of internal risk rating systems, the level of the Allowance for Loan and Lease Losses (ALLL)/Allowance for Credit Losses (ACL), and the reasonableness of the methodology used to determine the ALLL/ACL level.
- Serves as Asset Manager in institutions with varying types of credit portfolios, including complex commercial credits and consumer credit portfolios, and leads teams in complex projects and assignments for specialized lending institutions and/or large, complex lending institutions.
- Participates in a wide variety of complex credit related activities, such as Shared National Credit reviews, targeted reviews at Large Financial Institutions, and reviews of loan portfolio stress tests.
- Prepares written analysis and recommendations on the entire loan function (underwriting, policies, procedures, loan review, ALLL/ACL, etc.).
- Communicates verbally with internal and external parties during examinations by performing such tasks as: discussing loan classifications, answering questions, and presenting findings and conclusions.
Requirements
Conditions of Employment
Registration with the Selective Service.
U.S. Citizenship is required.
Employment Conditions.
Completion of Financial Disclosure may be required.
Minimum Background Investigation (MBI) required.
The candidate selected will be offered a term appointment not-to-exceed four years which may not be extended beyond the maximum four year time limitation.
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, applicants must have completed at least one year of specialized experience equivalent to at least the CG/GS-11 grade level or above in the Federal service. Specialized experience is defined as 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; and advising examiners and management on regulation, policies, and best practices for loan/credit services and compliance.
Applicants eligible for ICTAP (Interagency Career Transition Assistance Program) must achieve a score of 80 or higher in the online assessment to be determined “well qualified” for this position. For more information, click here.
Education
There is no substitution of education for the experience for this position.
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.
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 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.
If you are found qualified, you will be placed in one of three categories: Best Qualified, Highly Qualified, or Qualified. These category assignments are a measure of the degree in which your background and responses to the assessment questions match the competencies/knowledge, skills, and abilities (KSAs) listed below. Within these categories, candidates eligible for veterans’ preference will receive selection priority over non-veterans.
- Skill in conducting loan analysis to determine credit quality through analysis of repayment capacity, financial strength and collateral protection, and to analyze balance sheets, income statements, tax returns, and other relevant information.
- Knowledge of specific loan documentation requirements for all types of credits, and an understanding of laws and regulations governing loan underwriting.
- Knowledge of the appraisal process and associated laws and regulations regarding appraisals and evaluations.
- Ability to plan and carry out assignments, including determining the approach to be taken and the methodology to be used.
- Skill in compiling, analyzing, and summarizing data for complex loan portfolios, including determining credit quality through analysis of repayment capacity, financial strength and collateral protection.
- Skill in written communication.
- Skill in oral communication.
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.
You may preview questions for this vacancy.
Required Documents
Failure to provide all of the required documentation as stated in this vacancy announcement, may result in an ineligible determination or may affect your consideration status. Please review the following to determine your eligibility and which document(s) is required to complete your application:
VETERANS' PREFERENCE: If you are claiming veterans' preference, click here. (Note: Veterans must submit the Member 4 copy of the DD 214, Certificate of Release or Discharge from Active Duty - or other copy showing the type of discharge/character of service [e.g., Honorable, Under Honorable Conditions, etc.] along with any other required documents. (e.g., DD-214, VA Letter, SF-15, etc.) to demonstrate veterans’ preference eligibility.)
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.
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.
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 point of contact 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. ET (Eastern 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.
Next steps
The Fair Chance Act prohibits inquiries concerning an applicant's criminal history information unless the hiring agency has made a conditional (tentative) offer of employment to the applicant. An applicant may submit a complaint, or any other information, to the agency within 30 calendar days of the date of alleged non-compliance by contacting the Federal Deposit Insurance Corporation’s Human Resources Staffing Policy and Accountability team at HRPolicyTeam@fdic.gov
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.
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