Loan Specialist (General) Job in Fort Worth, TX

Vacancy No. DE-25-PDC-12625473 Department Small Business Administration
Salary $78,820.00 to $102,463.00 Grade 11 to 11
Perm/Temp Permanent FT/PT Full-time
Open Date 12/4/2024 Close Date 12/11/2024
Job Link Apply Online Who may apply Public
Locations:
Fort Worth, TX


Summary

You will serve as a Loan Specialist (General) for the Small Business Administration (SBA), US Small Business Administration, Processing and Disbursement Center - PDC in Fort Worth, Texas (Applications Department). The position is responsible for a variety of duties all related to providing disaster assistance to homeowners, renters and businesses seeking funds for repair, rehabilitation, or replacement of disaster damaged personal, real, or business property.

This job is open to

Clarification from the agency

United States Citizens, U.S. Nationals or those that owe allegiance to the United States

Duties

As a Loan Specialist (General) at the GS-1165-11, some of your typical work assignments may include:

  • Evaluates collateral by considering type of collateral property, lien position, and available equity.
  • Makes recommendations on amount and type of collateral needed to reasonably secure loan.
  • Exercises judgment in deciding which conditions should be applied in different types of insurance requirements, use of proceeds, collateral, and other conditions required by law.
  • Investigates and evaluates credit history to determine credit worthiness of applicant business, related affiliates, and principal owners of applying applicant business. Processes business loans, more complex residential loans, and all types of business and economic injury loans.
  • Reviews all pertinent facts needed to make eligibility determinations by confirming ownership, and by analyzing the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, disposition of insurance and other recoveries that may be a duplication of benefits, creditworthiness, etc.

IMPORTANT NOTES:
THIS POSITION IS REQUIRED TO REPORT TO THE FORT WORTH OFFICE AND MAY BE ELIGIBLE FOR TELEWORK.
  • This is a Permanent appointment in the Competitive service with a full-time work schedule.
  • Employee's residing within commuting distance of the PDC may be required to physically report to the PDC four days per pay period or more often as determined by Department Management.
  • Mandatory Overtime: In order to respond quickly and efficiently to disaster survivors, substantial compensated overtime hours may be required during heightened disaster activity.
  • The PDC Ft. Worth, TX location is conveniently located near the Dallas-Fort Worth International Airport and DART/TRE Station. In addition, employees are eligible to apply for transportation subsidy to utilize the local DART/TRE bus/rail transit system.
  • By applying for this position with SBA's US Small Business Administration, you can enjoy challenging but satisfying work and join a highly motivated and diverse team that helps families and businesses rebuild their lives after a disaster.
  • Additional selections may be made from this announcement if identical vacancies occur within 180 days from the closing date.
  • This is not a bargaining unit position.

Requirements

Conditions of Employment

  • U.S. citizenship is required.
  • You must be able to obtain and maintain a Government travel credit card.
  • Favorable background investigation and credit check are required.
  • You may be required to complete a one-year probationary period.
  • This is not a bargaining unit position.

Qualifications

Individual Occupational Requirements

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.

OR

To be minimally qualified for the position, you must meet the Basic Requirement (Individual Occupational Requirement (IOR) in addition to meeting the specialized experience requirements, education requirements or combination of education and specialized experience as stated below.

Specialized Experience: Experience that demonstrated competence in agricultural, commercial, realty, or other types of loans. Experience may have been gained in such work as reviewing and passing upon applications for agricultural, commercial, bank or mortgage loans; servicing a loan portfolio of a bank or other loan association; performing financial analysis of commercial concerns for investment purposes; appraising real estate to determine property valuation; or similar work.


Experience:
To receive credit, you must indicate the month and year as well as the average hours worked per week for each employer. Average work hours must be stated on the resume to quantify each period of work experience or that experience will not be credited toward meeting the specialized experience requirement.
You must address the specific specialized experience required for each grade level of this position on your resume or application or you will be rated "Ineligible" for that grade level.

GS-11: One year of specialized experience, equivalent to the GS-09 grade level in the Federal service, obtained in either the private or public sector:
  • Making recommendations or decisions to approve or decline residential and business loans.
  • Evaluating credit histories to determine credit worthiness of individuals and businesses.
  • Analyzing federal tax returns and financial statements such as profit and loss statements, balance sheets and business plans to determine repayment ability for individuals and business loan applicants.
  • Processing loan applications using web-based financial/lending software to underwrite loans.
  • Evaluate assets to determine best available collateral such as real estate and general security interest to secure a loan.

Additional information on the qualification requirements is outlined in the OPM Qualifications Standards Handbook of General Schedule Positions. It is available for your review on OPM's Qualifications website:

Loan Specialist Series 1165 (opm.gov)

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

If you do not meet the specialized experience requirements, you may also qualify with education. You MUST submit transcripts (official or unofficial) with this application if you wish to qualify based on education.

GS-11: PH.D or equivalent doctoral degree in a related field or 3 full years of related progressively higher level graduate education leading to a PH.D or LL.M., if related.

Relevant education: 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.

Combination of Experience and Education:
GS-11: Combination of education and experience as specified above.

For example, an applicant who has 1.5 full years of Ph.D. level education (i.e. 50% of education required) and 6 months of creditable specialized experience (i.e. 50% of the required experience) would equal 100% of the required experience for the position.

APPLICANTS PLEASE NOTE: 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 (particularly positions with a positive education requirement.) Therefore, applicants must report only attendance and/or degrees from schools accredited by accrediting institutions recognized by the U.S. Department of Education. Verify School accreditation. All education claimed by applicants will be verified by the appointing agency accordingly. *** If you are using foreign education to meet qualification requirements, you must send a Certificate of Foreign Equivalency with your transcript in order to receive credit for that education. *** For further information, click on: Foreign Education.

Additional information

Reasonable Accommodation (RA) Requests: If you believe you have a disability (i.e., physical or mental), covered by the Rehabilitation Act of 1973 as amended that would interfere with completing the USA Hire Competency Based Assessments, you will be granted the opportunity to request a RA in your online application. Requests for RA for the USA Hire Competency Based Assessments and appropriate supporting documentation for RA must be received prior to starting the USA Hire Competency Based Assessments. Decisions on requests for RA are made on a case-by-case basis. If you meet the minimum qualifications of the position, after notification of the adjudication of your request, you will receive an email invitation to complete the USA Hire Competency Based Assessments, based on your adjudication decision. You must complete all assessments within 48 hours of receiving the URL to access the USA Hire Competency Based Assessments if you received the link after the close of the announcement. To determine if you need a RA, please review the Procedures for Requesting a Reasonable Accommodation for Online Assessments here: https://help.usastaffing.gov/Apply/index.phptitle=Reasonable_Accommodations_for_USA_Hire

Career and InterAgency Career Transition Assistance Programs:
Career Transition Assistance Plan (CTAP) is a program that helps "surplus" or "displaced" federal employees improve their chances of finding a new job in their current agency (intra-agency, i.e. SBA employees only).

Inter-Agency Career Transition Assistance (ICTAP) is a program that helps "surplus" or "displaced" federal employees improve their chances of finding a new job at another agency (inter-agency; i.e. not applying to their current or former agency).

Selective Service: If you are a male applicant born after December 31, 1959, you must certify that you have registered with the Selective Service System, or are exempt from having to do so under the Selective Service Law. For additional information visit www.sss.gov.

Telework may be available. For information on Telework visit: http://www.telework.gov/

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.

Review our 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.

In order to be considered for this position, you must complete all required steps in the process. In addition to the application and application questionnaire, this position requires an online assessment. The online assessment measures critical general competencies required to perform the job.

The assessment includes a cut score based on the minimum level of required proficiency in these critical general competencies. You must meet or exceed the cut score to be considered. You will not be considered for the position if you score below the cut score or fail to complete the assessment.

For this vacancy, we will use a Category Rating system to refer qualified applicants for consideration. This is a three-step process. First, your resume or other application is evaluated to determine if you meet the Qualifications, including the Specialized Experience described above, for the grade level(s) that you are applying for. Secondly, if you meet the minimum qualifications requirements, your responses to the questionnaire, including narrative responses, if applicable, will be compared to your resume or other application. If your resume does not support the answers you gave on the questionnaire, you may be rated "Ineligible," or you may be placed in a lower category. Third, your name will be placed in one of the three following categories:

  • Best-Qualified - highly proficient with an overall comprehensive level of knowledge, skills and abilities related to this position.
  • Well-Qualified - competent in the position with an overall accomplished level of knowledge, skills and abilities related to this position.
  • Qualified - an overall basic level of knowledge, skills and abilities related to this position.
Application of Veterans' Preference: The Category Rating process protects the rights of veterans by placing them ahead of non-veterans within each quality category. All the veterans must be selected before any non-veterans within each category.

For this position, disabled veterans who meet minimum qualifications for this position and have a compensable service-connected disability of at least 10% (CPS & CP) are placed at the top of the Best-Qualified category regardless of which category they would otherwise be assigned to.

Preference eligibles who do not have a service-connected disability of 10% or more (XP or TP) are placed at the top of their quality category.

Your qualifications will be evaluated on the following competencies:
  • Attention to Detail
  • Computer Skills
  • Customer Service
  • Federal Funds Processing
  • Financial Analysis
  • Flexibility
  • Integrity/Honesty
  • Interpersonal Skills
  • Learning
  • Reading Comprehension
  • Real Estate
  • Reasoning
  • Self-Management
  • Stress Tolerance
  • Teamwork
  • Writing


Overstating your qualifications and/or experience in your application materials or application questionnaire may result in your removal from consideration. Cheating on an assessment may also result in your removal from consideration.

Required Documents

Required Documents
To apply for this position, you must provide a complete Application Package which includes:
1. Your Resume showing hours worked per week, dates of employment, and duties performed.
2. Completed Questionnaire

3. Other supporting documents, such as:
  • College Transcript(s), if qualifying based on education.
    • Unofficial transcripts may be submitted during the application process; however, official transcripts will be required if selected.
  • Veterans' Preference documentation, if applicable (e.g. DD-214 Member Copy 4 or other Member Copy showing type of discharge/character of service, SF-15 Form and related documentation, VA letter, etc.)
  • Career Transition Assistance Program/Interagency Career Transition Assistance Program documentation, if applicable (e.g. Certification of Expected Separation, Reduction-In-Force Separation Notice, or Notice of Proposed Removal; SF-50 that documents the RIF separation action; and most recent performance appraisal.)
  • If you are requesting a reasonable accommodation to the USA Hire Competency Based Assessments, submit documentation to support your request, including the Reasonable Accommodation Request Form found here. https://help.usastaffing.gov/Apply/index.php?title=Reasonable_Accommodations_for_USA_Hire

DO NOT SEND YOUR RESUME OR ANY APPLICATION DOCUMENTS TO THE AGENCY CONTACT.

Your latest resume submitted for this position will be used for qualification determinations and supersedes previous submissions.

ELIGIBILITY INFORMATION:
1. Interagency Career Transition Assistance Plan (ICTAP) or Career Transition Assistance Plan (CTAP):
If you are claiming CTAP/ICTAP eligibility, provide a copy of your most recent annual performance appraisal (which must show at least a "fully successful" rating or equivalent), and proof of eligibility, i.e., a RIF separation notice or Certification of Expected Separation, and SF-50 noting current position, grade level, and duty location.In addition to meeting all qualification requirements and selective placement factors (if applicable), CTAP/ICTAP eligibles must meet the Well-Qualified criteria with a score of 85 or above based on the competencies listed above for the position in order to be given priority consideration. Information about CTAP and ICTAP eligibility is also on OPM's Career Transition Resources website at: CTAP/ICTAP. http://www.opm.gov/rif/employee_guides/career_transition.asp.
You are eligible for CTAP/ICTAP if:
1. You are a current federal employee who meets the definition of a "surplus" or "displaced" employee meaning you have received official notice that your job is no longer needed or that you will lose your job by Reduction-in-Force (RIF).
2. Your agency, or the agency to which you are applying, is accepting applications from within or outside of the permanent workforce.
3. The position to which you are applying MUST BE in the Local Commuting Area of the position of record from which you are being displaced.

2. If you are a veteran with preference eligibility and you are claiming 5-point veterans' preference, you must submit a copy of your DD-214 or other proof of eligibility. If you are claiming 10-point veterans' preference, you must submit an SF-15, "Application for 10-Point Veterans' Preference" plus the proof required by that form.

3. If you are a male applicant who was born after 12/31/59 and are required to register under the Military Selective Service Act, the Defense Authorization Act of 1986 requires that you be registered or you are not eligible for appointment in this agency.

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 apply for this position, you must complete the online application and submit the documentation specified in the Required Documents section below.
The complete application package must be submitted by 11:59 PM (EST) on 12/11/2024 to receive consideration.

  • To begin, click Apply Online to access an online application. Follow the prompts to select your USAJOBS resume and/or other supporting documents. You will need to be logged into your USAJOBS account or you may need to create a new account.
  • You will be taken to an online application. Complete the online application, verify the required documentation, and submit the application.
  • You will receive an email notification when your application has been received for the announcement.
  • To verify the status of your application, log into your USAJOBS account, select the Application Status link and then select the More Information link for this position. The Application Status page will display the status of your application, the documentation received and processed, and your responses submitted to the online application.
  • After submitting an online application, you will be notified whether or not you are required to take additional online assessments through the USA Hire Competency Based Assessment system. This message will be delivered to you both on screen and via email notification.
  • If you are asked to take the USA Hire Competency Based Assessments, you will be presented with a unique URL to access the USA Hire system. Access to USA Hire is granted through your USAJOBS login credentials. Be sure to review all instructions prior to beginning your USA Hire Assessments. Click here for Computer System Requirements.
  • Note, set aside at least 3 hours to take these assessments; however, most applicants complete the assessments in less time. If you need to stop the assessments and continue at a later time, you can re-use the URL sent to you via email and also found on the Additional Application Information page that can be located in the application record in your USAJOBS account.

Your uploaded documents may take several hours to clear the virus scan process.

Agency contact information

Brandon Pimpleton
Address
Processing and Disbursement Center - PDC
14925 Kingsport Road
Fort Worth, TX 76155
US
Learn more about this agency

Next steps

Based on your application and your responses to the application questionnaire, you may be presented with instructions on how to access the USA Hire system to complete the online assessments. The online assessments must be completed within 48 hours following the close of this announcement. You will have the opportunity to request a testing accommodation for the assessment should you have a disability covered under the Americans with Disabilities Act (ADA).

Your assessment results will be kept on record for one year and used toward future positions for which you might apply that require the same assessments.

To be considered for the position, you must meet all qualifications, including meeting or exceeding the cut score on the required assessments.

SUITABILITY, CLEARANCE & REQUIREMENTS: A background investigation may be required for all new hires. Appointment will be subject to the applicant's successful completion of a background investigation and favorable adjudication. Failure to successfully meet these requirements will be grounds for termination.

SBA uses e-Verify, an Internet-based system, to confirm the eligibility of all newly hired employees to work in the United States. Learn more about E-Verify, including your rights and responsibilities.


Note: We cannot accept applications on behalf of Federal Agencies. Application instructions are listed within the Job Description.


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