This position located in a USDA Rural Development Michigan Area Office and is developmental position leading through intervening level Loan Specialist (Realty), GS-1165-09, to the full performance level GS-1165-11. This is not a remote position. You must report to work at the Grand Rapids, Michigan Area Office.

Duties

The incumbent works with loans and grants made or guaranteed by the government for very-low, low and moderate income families in rural areas to purchase, build or repair single family residences. The specialist conducts analysis of credit, earnings and other factors to determine the applicant's eligibility and capacity to repay the proposed loan through examination of available information. Visits existing properties and proposed sites to assess environmental/historical impacts and to evaluate the suitability of structures and building lots for the program. Directs applicants to other credit sources or provides the necessary credit counseling.

Requirements

• You must be a US Citizen or US National.
• Males born after 12/31/1959 must be Selective Service registered or exempt.
• Subject to satisfactory adjudication of background investigation and/or fingerprint check.
• Successful completion of one-year probationary period, unless previously served.
• Direct Deposit - Per Public Law 104-134 all Federal employees are required to have federal payments made by direct deposit to their financial institution.
• Successfully pass the E-Verify employment verification check. To learn more about E-Verify, including your rights and responsibilities, visit E-Verify at https://www.e-verify.gov/

Qualifications

Applicants must meet all qualifications and eligibility requirements by the closing date of the announcement including time-in-grade restrictions, specialized experience and/or education, as defined below. For the GS-09 grade level: Applicants must have 1 year of specialized experience equivalent to at least the GS-07; or its non-Federal equivalent that demonstrates: knowledge and understanding of mortgage loan making/servicing and credit principles and practices in order to assess the fundamental soundness of single family housing loans and to independently examine applications, supporting documents, and credit reports, and maintain servicing activities on small mortgage loans. Experience may have been gained in work equivalent to furnishing information to borrowers and applicants on loan programs, eligibility requirements, financial and credit requirements; analyzing information provided by loan applicants, determining eligibility for mortgage loans, and making loan recommendations to a senior employee; assisting senior level employees in initiating action to graduate borrowers who are eligible for other credit sources; and participating in providing credit counseling to all borrowers and debt adjustment servicesOR master's or equivalent graduate degreeOR 2 full years of progressively higher level graduate education leading to such a degree or LL.B. or J.D., if related.OR Equivalent combination of education and experience are qualifying for this grade level. 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 the amount required for the next lower grade level may be used to qualify applicants for position at grade GS-9. NOTE: To be considered for this position, you must meet all qualification and eligibility requirements for the GS-1165 series set forth in the Office of Personnel Management (OPM) Qualification Standards by the closing date of the announcement. A copy is available at https://www.opm.gov/policy-data-oversight/classification-qualifications/general-schedule-qualification-standards. 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 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

There is no education qualification requirement for this position.

Contacts

• Address Rural Development 1400 Independence Ave SW Washington, DC 20250 US
• Name: Michelle Haug
• Phone: 00000000
• Email: [email protected]