About this role
Job SummaryThis position is located in the Small Business Administration, Citrus Heights 7a Loan Guaranty Processing Center in Citrus Heights, CA. The incumbent serves as a Loan Specialist and is responsible for evaluating loan applications for program eligibility and credit worthiness requiring experience with business structures and financial Statement analysis.
QualificationsGS-12: One year of specialized experience, equivalent to the GS-11 grade level in the Federal service, obtained in either the private or public sector: performing as a loan processor, underwriter, financial analyst, portfolio manager; and making repayment and eligibility determinations about loan application packages. These qualifications must be clearly referenced in your resume. 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 web site: Loan Specialist Series 1165 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. Generally, time in Non-Pay status as a federal employee is not creditable towards the specialized experience requirement listed above. All qualification requirements must be met by 11:59 pm (Eastern Time) on 09/17/2026.
Major DutiesAs a Loan Specialist (Commercial) at the GS- 1165-12, some of your typical work assignments may include: Analyzes a wide variety of commercial loan applications characterized by varying corporate and financial structures, and which might contain limited financial data. Evaluates commercial loan requests to determine applicants' eligibility and proper loan structure, including capital injection, collateral, and other requirements. Assesses managements' experience and past performance, to determine the potential for successful operation of the applicant business entity. Investigates essential commercial credit factors to determine the merits of granting loan guaranties with reasonable assurance of repayment of proposed loan proceeds.