Credit Specialist, CG-1160-12 (Term Appointment NTE 4 Years)

This job is open to

• The public
  
  
  

U.S. Citizens, Nationals or those who owe allegiance to the U.S.

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.

Additional Information

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

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

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

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 window 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.