Financial Analyst (Loan Review), CG-1160-07/09/11

Downers Grove, Illinois


Employer: Federal Deposit Insurance Corporation
Industry: Financial Analysis
Salary: Competitive
Job type: Full-Time

Summary

This position is located in the Division of Risk Management Supervision of the Federal Deposit Insurance Corporation and conduct and provide 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.

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

This job is open to

  • Individuals with disabilities
  • Federal employees - Competitive service

    Current or former competitive service federal employees.
  • 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
  • Special authorities

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


Clarification from the agency

This position is open to 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 VEOA appointment. Applicants without status should apply under FDIC announcement 2024-RMS-DB670 to be considered.

Duties

At the full performance level, major duties include:

  • 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.
  • Serves as Asset Manager in institutions with varying types of credit portfolios, including complex commercial credits and consumer credit portfolios.
  • Reviews and evaluates complex other real estate (ORE) files for proper documentation (e.g., title, lien position, appraisal, holding period, insurance coverage) and accounting treatment, prepares ORE line sheet based on analysis, and assigns classifications.
  • Assesses the appropriateness of 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.
  • Advises examiners, bank management, and FDIC management on regulation, and policies.
  • 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.

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.

CG-7: To qualify, applicants must have completed at least one year of specialized experience equivalent to at least the 5 grade level or above in the Federal service. Specialized experience is defined as experience assessing and applying credit standards and practices relative to the financial services industry and performing financial analysis.

OR

EDUCATION: To qualify based on education, applicants must have completed one full year of graduate level education with major study in finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or other fields related to the position.

OR

Superior Academic Achievement: Superior academic achievement must have been gained in a major field of undergraduate study: finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics, or other fields related to the position. Applicants qualifying under S.A.A. must have completed (or expect to complete within 9 months from the closing date of the announcement) all the requirements for a bachelor's degree from an accredited college or university. Click here for Superior Academic Achievement qualification requirements.

S.A.A. is based on (1) class standing, (2) grade-point average, or (3) honor society membership.

  1. Class standing Applicants must be in the upper third of the graduating class in the college, university, or major subdivision, such as the College of Liberal Arts or the School of Business Administration, based on completed courses.
  2. Grade-point average (G.P.A.) Applicants must have a grade-point average of:

    • 3.0 or higher out of a possible 4.0 ("B" or better) as recorded on their official transcript, or as computed based on 4 years of education, or as computed based on courses completed during the final 2 years of the curriculum; or
    • 3.5 or higher out of a possible 4.0 ("B+" or better) based on the average of the required courses completed in the major field or the required courses in the major field completed during the final 2years of the curriculum.

  3. Election to membership in a national scholastic honor society Applicants can be considered eligible based on membership in one of the national scholastic honor societies recognized by the Association of College Honor Societies.


OR

COMBINING EDUCATION AND EXPERIENCE: To qualify on a COMBINATION of Education and Experience, applicants must have successfully completed post-high school education and experience may be used to meet total qualification requirements for the CG-07 position.

CG-9: To qualify, applicants must have completed at least one year of specialized experience equivalent to at least the 7 grade level or above in the Federal service. Specialized experience is defined as experience assessing and evaluating loans and commercial credits, identifying credit administration weakness, and preparing analysis to support conclusions relative to the financial services industry.

OR

EDUCATION: To qualify based on education, applicants must have completed a Master's or equivalent graduate degree (such as an LLB. or J.D.) or 2 full years of progressively higher level graduate education with a major study in finance, business administration, economics, accounting, insurance, 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

COMBINING EDUCATION AND EXPERIENCE: To qualify on a COMBINATION of Education and Experience, applicants must have completed graduate level education as described above, beyond the 1st full year of graduate level education and specialized experience as describe above that together meet the qualification requirements for this position.

CG-11:To qualify, applicants must have completed at least one year of specialized experience equivalent to at least the CG-09 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 to banking officials or regulators.

OR

EDUCATION: To qualify based on education, applicants must have completed 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

COMBINING EDUCATION AND EXPERIENCE: To qualify on a COMBINATION of Education and Experience, applicants must have completed graduate level education as described above, beyond the 2nd full year of graduate level education and specialized experience as describe above that together meet the qualification requirements for this position.

Applicants must have met the qualification requirements (including selective placement factors - if any) for this position within 30 calendar days of the closing date of this announcement.

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

See requirements stated under QUALIFICATIONS.

Additional information

Selectees(s) for this position will be required to report in person to an FDIC office or financial institution.

The range of pay shown includes base pay plus supplemental locality adjustments. The locality rates for these duty locations range from a low of 16.82% to a high of 30.41%. Pay will vary by grade level and the locality rate for the geographic location where the position is located. For more on FDIC locality rates, click here.

You may select up to 2 locations as advertised in this vacancy announcement. You will be referred to the selecting official based on the locations selected, if among the best qualified.

If selected, you may be required to serve a probationary or trial period as applicable to appointment type.

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

  • 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.

Top ranked candidates will be referred to the selecting official for further review and consideration.

The competencies/knowledge, skills, and abilities (KSAs) you will be assessed on are listed below.

  1. Knowledge of the laws, regulations, policies, methods and tools used in examining standard, non-standard, and specialized loans for regulatory compliance.
  2. Knowledge of how economic conditions, including national, regional, and local markets, affect a bank's loan portfolio.
  3. Ability to conduct analysis of loans and credit to make compliance determinations on lending practices
  4. Knowledge of accounting practices to analyze balance sheets, income statements, tax returns, and other relevant information; and, identify common issues and advise on common practices.
  5. Skill in written communication.
  6. 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.

  • 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.
  • 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.

    If you are applying under any special hiring authority you MUST submit proof of eligibility with your application.

    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 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. You must submit documentation (e.g., DD-214, VA Letter, SF-15, etc.) to demonstrate veterans' eligibility.

    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. The documentation does NOT need to detail your specific disability, medical history, or need for accommodation, however; the letter MUST clearly state that you are eligible for appointment under this authority and that your eligibility is based on a severe physical disability; an intellectual disability; or a psychiatric disability. 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 benefits. THE DOCUMENTATION MUST INCLUDE: a statement that you are eligible based on one of the following: severe physical disability, an intellectual disability, or a psychiatric disability. To view sample Schedule A proof of disability letters, click here, 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 CAREER 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 ELIGIBLES 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). If reinstatement eligible, include your Career/Career conditional SF-50. To be considered as a non-competitive eligible candidate, the SF-50 must show the highest grade level or full performance level applicant has attained competitively on a permanent basis, 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: If you want to be considered non-competitively include a copy of your SF-50. The SF-50 must show the highest grade level or full performance level applicant has attained competitively on a permanent basis, and grade must be equivalent or higher than the grade for which applying.


    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.

    Agency contact information

    Janeen Saul

    Phone

    214-715-7131

    TDD
    1-800-925-4618
    Fax
    000-000-0000
    Email

    jsaul@fdic.gov

    Address

    Federal Deposit Insurance Corporation

    FDIC Human Resources Branch

    300 S Riverside Plaza

    Suite 1700

    Chicago, Illinois 60606

    United States

    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.
  • 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

If you are applying under any special hiring authority you MUST submit proof of eligibility with your application.

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 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. You must submit documentation (e.g., DD-214, VA Letter, SF-15, etc.) to demonstrate veterans' eligibility.

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. The documentation does NOT need to detail your specific disability, medical history, or need for accommodation, however; the letter MUST clearly state that you are eligible for appointment under this authority and that your eligibility is based on a severe physical disability; an intellectual disability; or a psychiatric disability. 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 benefits. THE DOCUMENTATION MUST INCLUDE: a statement that you are eligible based on one of the following: severe physical disability, an intellectual disability, or a psychiatric disability. To view sample Schedule A proof of disability letters, click here, 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 CAREER 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 ELIGIBLES 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). If reinstatement eligible, include your Career/Career conditional SF-50. To be considered as a non-competitive eligible candidate, the SF-50 must show the highest grade level or full performance level applicant has attained competitively on a permanent basis, 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: If you want to be considered non-competitively include a copy of your SF-50. The SF-50 must show the highest grade level or full performance level applicant has attained competitively on a permanent basis, and grade must be equivalent or higher than the grade for which applying.


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.

Agency contact information

Janeen Saul

Phone

214-715-7131

TDD
1-800-925-4618
Fax
000-000-0000
Email

jsaul@fdic.gov

Address

Federal Deposit Insurance Corporation

FDIC Human Resources Branch

300 S Riverside Plaza

Suite 1700

Chicago, Illinois 60606

United States

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.

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

Created: 2024-08-27
Reference: 805848500
Country: United States
State: Illinois
City: Downers Grove