Financial Analyst

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

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

Clarification from the agency

This position is open to all United States Citizens. Applicants with status or those eligible under special hiring authorities, should apply under FDIC merit promotion announcement 2024-RMS-B670. However, if you desire consideration also under this public non-status announcement, you must apply to both. Status applicants are current permanent Federal employees in the competitive service and former Federal employees with reinstatement eligibility.

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.

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 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

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 period.

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.

If you are found qualified, you will be placed in one of three categories: Best Qualified, Highly Qualified, or Qualified. These category assignments are a measure of the degree in which your background and responses to the assessment questions match the competencies/knowledge, skills, and abilities (KSAs) listed below. Within these categories, candidates eligible for veterans' preference will receive selection priority over non-veterans.

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.
  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 eligibil

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