About This Position
This position is located in VA Loan Guaranty Service. The Loan Specialist (NADL Coordinator) will perform an array of duties with the purpose of overseeing the Native American Direct Loan (NADL) program to limit risk to the agency and facilitate the Veteran's use of eligible benefits. The coordinator is responsible for assisting Veterans in applying for the program and verifying if the Veteran has the financial ability to maintain the monthly mortgage payment.
Qualifications
To qualify for this position, applicants must meet all requirements by the closing date of this announcement:02/20/2026. INDIVIDUAL OCCUPATIONAL REQUIREMENTS (IOR): This position does have an IOR (Individual Occupational Requirement) that must be met in addition to the Time-in-Grade and regular Specialized Experience qualifications. To qualify for this position, you must have the education or experience listed below: Experience that demonstrated competence in agricultural, commercial, realty, or other types of loans. Experience may have been gained in such work as reviewing and passing upon applications for agricultural, commercial, bank or mortgage loans; servicing a loan portfolio of a bank or other loan association; performing financial analysis of commercial concerns for investment purposes; appraising real estate to determine property valuation; or similar work. OR 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. Education must be accredited by an accrediting institution recognized by the U.S. Department of Education to be credited towards qualifications. Provide only the attendance and/or degrees from schools accredited by accrediting institutions recognized by the U.S. Department of Education. AND TIME-IN-GRADE REQUIREMENT: Applicants who are current Federal employees and have held a GS grade any time in the past 52 weeks must also meet time-in-grade requirements (unless if in the commuting area and eligible for a non-competitive hiring authority such as Schedule A, VRA, or 30% or more disabled Veterans). For a GS-12 position you must have served 52 weeks at the GS-11 level. If you are a current VBA employee outside of the commuting area seeking reassignment or change to lower grade via this vacancy announcement, you must currently hold the GS-12 (or higher) and the promotion potential of your current position must be at least None. The grade may have been in any occupation, but must have been held in the Federal service. An SF-50 that shows your time-in-grade eligibility must be submitted with your application materials. These requirements also apply to former Federal employees applying for reinstatement and those applying for a Veterans Employment Opportunities Act of 1998 (VEOA) appointment. MINIMUM QUALIFICATION REQUIREMENT: You may qualify based on your experience as described below: GS-12 Grade Level: Specialized Experience: Applicants must have one year of specialized experience equivalent to at least the next lower grade (GS-11) in the normal line of progression for this position. Specialized experience is defined as experience that has equipped the applicant with the particular knowledge, skills, and abilities to perform successfully the duties of the position, and that is typically in or related to the work of the position to be filled. Specialized experience is characterized by a thorough knowledge and demonstrated expertise of underwriting practices required in the VA's guaranteed home loan program and Native American Direct Loan (NADL) program. Expertise would display advanced understanding of mortgage underwriting, loan servicing, and construction lending as outlined in the VA Lender's Handbook VA Pamphlet 26-7, Native American Direct Loan Manual M26-13, Loan Management and Service Policies, Procedures, and Methods, Loan Guaranty Operations for Regional Offices M26-3 and 38 CFR 36.4340. Education: There is no education substitution at the GS-12. Volunteer Experience: 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; religions; 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. Full vs. Part-Time Employment: Full-time employment is considered to be at least 35 hours per week. Part-time experience will be credited on a pro-rated basis; when including part-time employment in your resume you must specify the average hours worked per week. Physical Requirements: The work performed is usually sedentary, but does involve walking, bending, lifting and carrying of objects and the operation of a motor vehicle. For more information on these qualification standards, please visit the United States Office of Personnel Management's website at http://:www.opm.gov/policy-data-oversight/classification-qualifications/general-schedule-qualification-standards/.
Major Duties
Specific duties include: Completes determination based on supporting documentation on Veteran's eligibility for the VA Home Loan Program and issuance of the Certificates of Eligibility (COE). Creates, reviews, and utilizes legal documents, such as the note, mortgage, Loan Estimate, Closing Disclosure, Satisfactions of Mortgages, etc. Documents are created without the assistance of a document generator. Underwrites highly complex loan applications and qualifies borrowers for loans. Performs income analysis and calculates loan to value ratios and residual income figures in order to determine loan approvability. Analyzes credit by reviewing credit reports, the Uniform Residential Loan Application (URLA), and personal interviews to determine a borrower's willingness to repay a loan. Provides financial planning and management guidance to borrowers; conducts interviews with loan applicants to ascertain eligibility for the more complicated home loan applications; and develops and analyzes factual information pertinent to satisfaction of credit and income standards Responsible for servicing of NADL loans. Reviews existing loans on an ongoing basis to ensure that customer payments are applied properly and maintains awareness of delinquency rates. The NADL Coordinator represents the VA Home Loan Program for all assigned projects and for outreach events as requested by management Serves as the primary point of contact for Veterans, contractors, local agencies, Congressional interests and agency leadership related to the LGY and NADL Responsible for coordinating with the Veteran, contractor, and other stakeholders throughout the home loan process to ensure all parties are informed of project progress and problems or issues, and their resolution, and disbursement of project funds. Promotion Potential: None Work Schedule: Full time, Monday through Friday,6:00 a.m. - 6:00 p.m Compressed/Flexible: Available Telework: Available Virtual: This is not a virtual position. Position Description/PD#: Loan Specialist; PD# 39407-A Relocation/Recruitment Incentives: Not Authorized Financial Disclosure Report: Not Required
Conditions of Employment
As a condition of employment for accepting this position, you will be required to serve a 1-year probationary period OR a 2-year trial period during which we will evaluate your fitness and whether your continued employment advances the public interest. In determining if your employment advances the public interest, we may consider: your performance and conduct; the needs and interests of the agency; whether your continued employment would advance organizational goals of the agency or the Government; and whether your continued employment would advance the efficiency of the Federal service. Upon completion of your probationary or trial period, your employment will be terminated unless you receive certification, in writing, that your continued employment advances the public interest. You must be a U.S. Citizen to apply for this job Selective Service Registration is required for males born after 12/31/1959 You may be required to serve a probationary period Subject to background/security investigation Selected applicants will be required to complete an online onboarding process Selected applicants will be required to complete an online onboarding process. Acceptable form(s) of identification will be required to complete pre-employment requirements I-9 Acceptable Documents.
Education
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
How You Will Be Evaluated
You will be evaluated based on how well you meet the qualifications listed in this vacancy announcement. Your qualifications will be evaluated based on your application materials (e.g., resume, supporting documents), your responses on the application questionnaire, and your responses to all assessments required for this position. You will be assessed on the following competencies (knowledge, skills, abilities, and other characteristics): Communications - Effectively expresses information to multiple audiences through clear, convincing oral and written communications; demonstrates logical thinking when describing facts and concepts, and shapes communications to meet the needs of a specific audience; actively listens to others and demonstrates understanding of their comments and/or questions. Partnering - Develops networks and builds alliances; collaborates across boundaries to build strategic relationships and achieve common goals. Technical Credibility - Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to specialized expertise. Influencing/Negotiating - Persuades others to accept recommendations, cooperate, or change their behavior; works with others towards an agreement; negotiates to find mutually acceptable solutions. Real Estate - Knowledge of real estate principles, practices, markets, and values Self-Management - Sets well defined and realistic personal goals; displays a high level of initiative, effort, and commitment towards completing assignments in a timely manner; works with minimal supervision; is motivated to achieve; demonstrates responsible behavior. Overstating your qualifications and/or experience in your application materials or application questionnaire may result in your removal from consideration. Cheating on an assessment may also result in your removal from consideration.
Additional Information
Under the Fair Chance to Compete Act, the Department of Veterans Affairs prohibits requesting an applicant's criminal history prior to accepting a tentative job offer (TJO). Please visit the Human Resources and Administration/Operations, Security, and Preparedness (HRA/OSP), va.gov/EMPLOYEE/docs/The-Fair-Chance-to-Compete-Act.pdf for more information. VA supports the use of telework as a way to help attract and retain talented individuals in public service, increase worker productivity, and better prepare the agency to operate during emergencies. This position may be authorized for telework. Telework eligibility will be discussed during the interview process. The Interagency Career Transition Assistance Plan (ICTAP) and Career Transition Assistance Plan (CTAP) provide eligible displaced Federal/VA competitive service employees with selection priority over other candidates for competitive service vacancies. To be qualified you must submit appropriate documentation (a copy of the agency notice, your most recent performance rating, and your most recent SF-50 noting current position, grade level, and duty location) and be found well-qualified (have a final rating of 85 or more) for this vacancy. Click here for more information about ICTAP and CTAP eligibility. Placement Policy: The posting of this announcement does not obligate management to fill a vacancy or vacancies by promotion. The position may be filled by reassignment, change to lower grade, transfer, appointment, or reinstatement. It is the policy of the VA to not deny employment to those that have faced financial hardships or periods of unemployment. This job opportunity announcement may be used to fill additional vacancies. Veterans and Transitioning Service Members: Please visit the VA for Vets site for career-search tools for Veterans seeking employment at VA, career development services for our existing Veterans, and coaching and reintegration support for military service members. For more information on the "Who may apply" eligibility requirements, please refer to the OHRM Status Candidates and Other Candidate Definitions document. 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. (https://appsupport.usastaffing.gov/hc/en-us/sections/28980686389652-Reasonable-Accommodation-Information)
How to Apply
Beginning September 27, 2025, Federal agencies will only accept resumes up to two pages in length to comply with the Merit Hiring Plan. Resumes longer than two pages will result in ineligibility for further consideration for the position. USAJOBS will not allow you to upload or build resumes longer than two pages, and you will need to update the resumes in your profile before applying for a job. Resumes should include information relevant to the knowledge, skills, abilities, and competencies of the position to which you are applying. VA is unable to make assumptions about qualifications if not clearly listed. Resumes must be legible so they can be reviewed for eligibility, minimum qualifications and other position requirements listed in the job announcement. Your resume must be 5MB or less. We recommend saving and uploading your resume as a PDF to maintain formatting and number of pages. We also accept GIF, JPG, JPEG, PNG, RTF, TXT, PDF, ODT or Word (DOC or DOCX). We do not accept PDF portfolio files. We recommend using a sans-serif font size like Lato, if available. Other widely available options are Calibri, Helvetica, Arial, Verdana, Open San Source Sans Pro, Roboto or Noro Sans. Make your page margins 0.5 inches. Consider using 14-point size font for titles and 10-point for the main text in your resume. The resume builder can help you create a resume using these recommendations and uses the information in your USAJOBS profile to help you get started. Helpful Hints for Creating a Two-Page Resume: Prioritize most relevant and recent experience Use concise, results focused language Align language from the job announcement Focus on demonstrating skills and competencies Remove outdated or unrelated experience Use the USAJOBS resume builder Additional guidance on this new requirement and resume building tools can be found at: https://help.usajobs.gov/faq/application/documents/resume/page-limit. https://www.opm.gov/policy-data-oversight/hiring-information/merithiring-plan-resources/applicant-guidance-on-the-two-page-resume-limit 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. 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 at least 3 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.
Required Documents
To apply for this position, you must provide a complete Application Package to include the documents detailed below. Resumes may not exceed two pages and must be legible for review of eligibility, minimum qualifications and other position requirements listed in the job announcement. Your resume and supporting documentation will be verified. Failure to submit the documents as specified may result in loss of consideration for this job announcement. Resume: Contact Information: Name and how best to contact you, including email address and phone number Relevant Work Experience: For each relevant work experience, make sure you include: Job Title and Employer (including series and grade for any Federal positions) Start and end dates with month/year (e.g., 05/2019 - 08/2022) The number of hours you worked per week Ensure work experience descriptions are aligned with the job announcement and address all required qualifications. Brief descriptions should demonstrate your ability to perform the tasks at the required level as stated in the job announcement Optional Details: When relevant, include: Current Security Clearance Job-related training Language skills Organizations and affiliations Professional publications Eligibility for special programs (e.g., military spouses, individuals with disabilities, etc.) Your most recent APPOINTMENT SF-50. The most recent 1XX or 5XX SF-50 proving status. This SF-50 should identify your appointing legal authority, position title, series, grade, step, salary, tenure, and type of service (Competitive or Excepted). Your SF-50 reflecting when you entered your highest grade and step (e.g., Within Grade Increase, Promotion, Appointment, etc.) in order to verify time-in-grade requirements. Current VBA Employees: If you are seeking a reassignment/change to lower grade, you must submit a copy of your most recent appointment SF-50 and an SF-50 that reflects when you entered your highest grade and step as described above. Veterans: Member-4 DD-214 and disability rating letter (if applicable) If you are currently on active duty to be released within 120 days, you may submit an armed forces certification in lieu of a Member-4 DD-214. Military Spouse of Active Duty Military Member: A copy of your marriage license AND your spouse's active duty orders Military Spouse of Separated Veteran: A copy of your marriage license, Member-4 DD-214 AND either your spouse's 1) 100% disability rating, or 2) documentation of death during active duty. Other Status Candidates: Evidence of eligibility to apply (e.g. Peace Corps verification letter, Schedule A letter, PS-50, etc.) Additional Documents - Most recent performance appraisal - Documentation to be considered under non-competitive eligibility (if applicable) such as DD-214, civil service preference letter, or Schedule A letter - CTAP documentation - RIF notice, SF 50 showing VA employee, and performance appraisal Please use this checklist to make sure you have included other documents required for your application, such as a copy of your transcript (if using education to qualify), SF-50's (current/former Federal employees), documentation to support Veterans Preference claims, or ICTAP/CTAP documentation (for displaced Federal employees). You will not be contacted for additional information. Veterans' Preference: When applying for Federal Jobs, eligible Veterans should claim preference for 5pt (TP), 10pt (CP/CPS/XP), or for Sole Survivor Preference (SSP) in the questionnaire. You must provide a legible copy of your DD214(s) which shows dates and character of service (honorable, general, etc.). If you are currently serving on active duty and expect to be released or discharged within 120 days you must submit documentation related to your active duty service which reflects the dates of service, character of service (honorable, general, etc.), and dates of impending separation. Additionally, disabled veterans and others eligible for 10-point preference (such as widows or mothers of eligible Veterans) must also submit an SF-15 "Application for 10 Point Veteran Preference" with required proof as stated on the form. Documentation is required to award preference. For more information on Veterans' Preference, please visit http://www.fedshirevets.gov/job/vetpref/index.aspx.
Frequently Asked Questions
What is the salary for the Loan Specialist position at Veterans Benefits Administration?
The salary range for this position is $76,463 - $99,404/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 job located?
This position is located in Phoenix, Arizona. This is an on-site position.
What qualifications do I need?
To qualify for this position, applicants must meet all requirements by the closing date of this announcement:02/20/2026. INDIVIDUAL OCCUPATIONAL REQUIREMENTS (IOR): This position does have an IOR (Individual Occupational Requirement) that must be met in addition to the Time-in-Grade and regular Specialized Experience qualifications. To qualify f...
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 Feb 20, 2026.
Is a security clearance required?
No security clearance is required for this position.
What does GS-12 mean?
GS-12 refers to the General Schedule grade level. Higher grades require more experience and offer higher pay. Visit our GS Pay Scale page for full salary tables by grade and locality.
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.