Federal

LOAN SPECIALIST (COMMERICAL)

Agriculture, Rural Development ยท Department of Agriculture
๐Ÿ“ Aiken, South Carolina GS-12 $89,508 - $116,362/yr
Posted: Jun 22, 2026 Deadline: Jul 1, 2026 (Closes tomorrow)

About This Position

This position is located in a State or Area Office with the Office of the South Carolina State Director. The incumbent has responsibility for establishing, marketing, managing and servicing loans and grants for community facilities, public utilities, and/or businesses. This vacancy announcement is open to current Rural Development Employees only.

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. Time in Grade: Current federal employees applying for a promotion opportunity must meet the time in grade requirement of 52 weeks of service at the next lower grade level in the normal line of progression for the position being filled. For the GS-12 level: Applicants must have one (1) year of specialized experience equivalent to at least the GS-11; or its non-Federal equivalent that demonstrates: Experience independently reviewing and making decisions on applications for commercial loans, municipal bonds, servicing a commercial/non-profit , and municipal loan portfolio, to include decision-making on liquidations.; performing financial and credit analysis of commercial concerns, reviewing and examining feasibility studies and business plan proposals based on business structures and economic factors.

There is no education substitution for this grade level. 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.

Major Duties

Reviews loan applications for completeness and conformance with RD statutory regulations, policies, procedures and practices; analyzes and inputs data into appropriate automated database systems.

Prepares written loan approval determinations or recommendations for loan approval and submits to approving official as appropriate.

Reviews file for completeness and compliance with all prescribed regulations and practices before loan closing; prepares draft loan closing documents for review as appropriate

Develops, implements and coordinates a broad and aggressive outreach and marketing program for assigned loan portfolio(s).

Education

There is no education substitution for this grade level.

How You Will Be Evaluated

You will be evaluated based on your qualifications for this position as evidenced by the experience, education, and training you described in your application package, as well as the responses to the Assessment Questionnaire to determine the degree to which you possess the knowledge, skills, abilities and competencies listed below: Knowledge of Building Standards, Costs, Specifications and Contracts Knowledge of Commercial and Community Program servicing requirements. Knowledge of Commercial and Community Programs loan and/or grant making requirements. Oral Communication Program Administration/Project Management Written Communication Your application, including the online Assessment Questionnaire, will be reviewed to determine if you meet (a) minimum qualification requirements and (b) the resume supports the answers provided to the job-specific questions.

Your resume must clearly support your responses to all the questions addressing experience and education relevant to this position. Applicants who meet the minimum qualification requirements and are determined to be among the best qualified candidates will be referred to the hiring manager for consideration. Noncompetitive candidates and applicants under some special hiring authorities need only meet minimum qualifications to be referred.

Note: If after reviewing your resume and/or supporting documentation, a determination is made that you have inflated your qualifications and or experience, your score may be adjusted to more accurately reflect your abilities, or you may be found ineligible. Please follow all instructions carefully. Errors or omissions may affect your rating.

Providing inaccurate information on Federal documents could be grounds for non-selection or disciplinary action up to including removal from the Federal service. Clicking the link below will present a preview of the application form; i.e. the online questionnaire. The application form link below will only provide a preview and does not initiate the application process.

To initiate the online application process, click the "Apply" button to the right. To view the application form, visit: https://apply.usastaffing.gov/ViewQuestionnaire/12990212

Additional Information

Career Transition Assistance Plan (CTAP), or Reemployment Priority List (RPL): Visit the OPM website for information on how to apply as a CTAP or RPL eligible. To exercise selection priority for this vacancy, CTAP/RPL candidates must meet the basic eligibility requirements and all selective factors. CTAP candidates must be rated and determined to be well qualified (or above) based on an evaluation of the competencies listed in the How You Will Be Evaluated section.

When assessed through a score-based category rating method, CTAP applicants must receive a rating of at least 85 out of a possible 100. If selected, you will be required to submit Form OGE-450 within 30 days of your initial appointment date, and annually thereafter. Selectee is subject to financial Disclosure Requirements in accordance with 5 CFR, Part 2635, Sub part E regarding business or personal transactions with applicants, borrowers, or business contacts who have or who are seeking business with this Agency.

Selectee must be able to obtain and maintain a security clearance. If selected you will be subject to a National Agency Check and Inquiry (NACI) and a credit report. Reasonable Accommodation (RA) Requests: If you believe you have a disability (i.e., physical or mental), covered by the Rehabilitation Act of 1973 as amended, that would interfere with completing the USA Hire Competency Based Assessments, you will be granted the opportunity to request a RA in your online application.

Requests for RA for the USA Hire Competency Based Assessments and appropriate supporting documentation for RA must be received prior to starting the USA Hire Competency Based Assessments. Decisions on requests for RA are made on a case-by-case basis. If you meet the minimum qualifications of the position, after notification of the adjudication of your request, you will receive an email invitation to complete the USA Hire Competency Based Assessments, based on your adjudication decision.

You must complete all assessments within 48 hours of receiving the URL to access the USA Hire Competency Based Assessments, if you received the link after the close of the announcement. To determine if you need a RA, please review the Procedures for Requesting a Reasonable Accommodation for Online Assessments here.

How to Apply

Please read the entire announcement and all the instructions before you begin an application. To apply and be considered for this position, you must complete all required questionnaires, assessments and submit all required documentation as specified in the How to Apply and Required Documents section.

The complete application package must be submitted by 11:59 PM (ET) on the closing date of the announcement to receive consideration. Resumes cannot exceed two pages.The application process is as follows: Click the Apply Online button. Answer the questions presented in the application and attach all necessary supporting documentation.

Click the Submit Application button prior to 11:59 PM (ET) on the announcement closing date. If you are required to complete any USA Hire Assessments, you will be notified after submitting your application. The notification will be provided in your application submission screen and via email.

The notification will include your unique assessment access link to the USA Hire system and the completion deadline. Additionally, in USAJOBS you can click "Track this application" to return to your assessment completion notice. Access USA Hire using your unique assessment link.

Access is granted through your USAJOBS login credentials. Review all instructions prior to beginning your assessments.

You will have the opportunity to request a testing accommodation before beginning the assessments should you have a disability covered under the Rehabilitation Act of 1973 as amended. Set aside about 1-2 hours to take the USA Hire Assessments; however, most applicants complete the assessments in less time. If you need to stop the assessments and continue later, you can re-use your unique assessment link.

Your responses to the USA Hire Assessments will be reused for one year (in most cases) from the date you complete an assessment. If future applications you submit require completion of the same assessments, your responses will be automatically reused. Visit the USA Hire Applicant Resource Center for practice assessments and assessment preparation resources at https://support-usahire.opm.gov/hc/en-us.

To update your application, including supporting documentation: During the announcement open period, return to your USAJOBS account, find your application record, and click Edit my application. This option will no longer be available once the announcement has closed. To view the announcement status or your application status:Visit https://www.usajobs.gov/Help/howto/application/status/.

Your application status page is where you can view your application status, USA Hire assessment completion status, and review your notifications sent by the hiring agency regarding your application. Please verify that documents you are uploading from USAJOBs transfer into the Agency's staffing system as there is a limitation to the number of documents that can be transferred. However, once in the Agency's staffing system, you will have the opportunity to upload additional documents.

Uploaded documents must be less than 5MB and in one of the following document formats: GIF, JPG, JPEG, PNG, RTF, PDF, TXT or Word (DOC or DOCX). Do not upload Adobe Portfolio documents because they are not viewable. Encrypted documents will not be accepted.

Failure to submit required, legible documents may result in loss of consideration. Please ensure your resume does not exceed two pages. Applicants who submit a resume that exceeds two pages will be removed from consideration.

Our office cannot be responsible for incompatible software, your system failure, etc.

Required Documents

The following documents are required for your applicant package to be complete. Encrypted documents will not be accepted. Failure to submit required, legible documents may result in loss of consideration.

Resume that includes: Personal Information: name, address, contact information; Education; Work Experience related to this position as described in the major duties including work schedule, hours worked per week, dates of employment; title, series, grade (if applicable); other qualifications. Resume cannot exceed 2 pages. If education is required or being used to qualify, you must submit a copy of your college transcripts.

An unofficial copy is sufficient with the application if it includes your name and the necessary course information; however, if you are selected, official transcripts will be required prior to entering on duty. Education must have been successfully obtained from an accredited school, college or university. If any education was completed at a foreign institute, you must submit with your application evidence that the institute was appropriately accredited by an accrediting body recognized by the U.S.

Department of Education as equivalent to U.S. education standards. There are private organizations that specialize in this evaluation and a fee is normally associated with this service. For a list of private organizations that evaluate education, visit the NACES website.

All transcripts must be in English or include an English translation. Current and former Federal employees: Most recent non-award Notification of Personnel Action (SF-50) showing you are/were in the competitive service, highest grade held (or promotion potential) on a permanent basis, position title, series and grade AND Most recent performance appraisal (dated within 18 months) showing the official rating of record, signed by a supervisor, or statement why the performance appraisal is unavailable. A performance plan is not an acceptable substitute.

Surplus or displaced employees eligible for CTAP or RPL priority must provide: proof of eligibility (RIF separation notice, notice of proposed removal for declining a transfer of function or directed reassignment to another commuting area, notice of disability annuity termination), SF-50 documenting separation (as applicable), current performance appraisal with rating of at least "Fully Successful" or equivalent, and your most recent SF-50 noting position, grade level, and duty location with your application per 5 CFR 330.

Frequently Asked Questions

What is the salary for the LOAN SPECIALIST (COMMERICAL) position at Agriculture, Rural Development?
The salary range for this position is $89,508 - $116,362/yr. This is a GS-12 position on the General Schedule pay scale. Actual pay may vary based on locality adjustments.
Where is the LOAN SPECIALIST (COMMERICAL) job located?
This position is located in Aiken, South Carolina. This is an on-site position.
What qualifications do I need?
There is no education substitution for this grade level.
How do I apply for this position?
Apply through USAJobs.gov by clicking the 'Apply on USAJobs' button. You'll need a USAJobs account, a federal-style resume, and supporting documents. The deadline is Jul 1, 2026.
Is a security clearance required?
No security clearance is required for this position.
What benefits do federal employees receive?
Federal employees receive comprehensive benefits including health insurance (FEHB), retirement through FERS, Thrift Savings Plan (TSP) with government matching, paid annual and sick leave, paid parental leave, life insurance, and student loan repayment programs.