Loan Specialist

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.

Completes determination based on supporting documentation on Veteran’s eligibility for the VA Home Loan Program and issuance of the Certificates of Eligibility (COE).

Coordinates and conducts loan closings, acting as the title agent, closer, and escrow agent.

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.

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.

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.

An unofficial or official copy of your transcripts must be submitted with your application if you are basing all or part of your qualifications on education.

Note: Only education or degrees recognized by the U.S. Department of Education from accredited colleges, universities, schools, or institutions may be used to qualify for Federal employment. You can verify your education: http://ope.ed.gov/accreditation/ If you are using foreign education to meet qualification requirements, you must send a Certificate of Foreign Equivalency with your transcript in order to receive credit for that education. For further information, visit: https://www.ed.gov/about/initiatives/international-affairs/recognition-of-foreign-qualifications

In describing your experience, please be clear and specific. We will not make assumptions regarding your experience. Applicants who do not fully address in their resumes the specialized experience needed for the position (as described in the job announcement), or who do not possess the education to substitute for it, will not be referred for further consideration.

If you are referred for consideration you will be rated on the following competencies (knowledge, skills and abilities) based on your application for this position: Attention to Detail Customer Service Flexibility Integrity/Honesty Interpersonal Skills Learning Reading Comprehension Reasoning Self-Management Stress Tolerance Teamwork Communication Partnering Technical Credibility Influencing/Negotiating Real Estate You may be asked to submit additional job related information, which may include responses to the knowledge, skills and abilities identified in the announcement; and/or completion of a work sample; and/or an interview.

Your resume and/or supporting documentation will be verified. Please follow all instructions carefully. Errors or omissions may affect your rating or your further consideration for employment.

After we receive application packages (including all required documents) and the vacancy announcement closes, we review applications to ensure qualification and eligibility requirements are met. During our review, if your résumé and application package does not support your questionnaire answers, we will adjust your rating accordingly.

Your application will be evaluated using the category rating method based on your responses to the assessment questions and the documents you submit. If you meet the basic requirements for the position, your application will be evaluated and placed into one of three categories: Best Qualified Category - Candidates who meet the minimum qualification requirements and demonstrate a high level of the knowledge, skills, and abilities necessary to perform the duties of the position. Well Qualified Category - Candidates who meet the minimum qualification requirements and demonstrate a satisfactory level of the knowledge, skills, and abilities necessary to perform the duties of the position.

Qualified Category - Candidates who meet the minimum qualifications requirements.

Note: Candidates eligible for veterans' preference will be placed ahead of other candidates in the appropriate category for which they have been rated. Additionally, preference eligible veterans who have a compensable service-connected disability of at least 10 percent and who meet the minimum qualification requirements will automatically be placed in the best qualified category.

Applicants can only apply to one location. This is not a virtual or remote position. Relocation expenses are not approved for this vacancy. Applicants who apply and are selected for locations outside of their local commuting area are responsible for all costs associated with a move to the new official worksite.

Work Schedule: Regular office hours, Monday - Friday, 6:00 AM - 6:00 PM. Alternate work schedules may be available. Physical Requirements: The work is usually sedentary but does involve standing, walking, bending or carrying of objects up to 50 pounds, and the operation of a motor vehicle.

The Department of Veterans Affairs provides reasonable accommodations for persons with disabilities. 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 teleworking. Telework eligibility may be discussed during the interview process. Telework is subject to approval by individual supervisors and managers, is considered a privilege not a right, is subject to approval based on performance and other varying factors, and is not guaranteed.

Receiving Service Credit for Earning Annual (Vacation) Leave: Federal employees earn annual leave at a rate (4, 6 or 8 hours per pay period) which is based on the number of years they have served as a Federal employee. VA may offer newly-appointed federal employee's credit for their job-related non-federal experience or active duty uniformed military service. This credited service can be used in determining the rate at which they earn annual leave.

Such credit must be requested and approved prior to the appointment date and is not guaranteed. Placement Policy: The posting of this job opportunity 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.

Management may use any one or any combination of these methods to fill the position. 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), https://www.va.gov/EMPLOYEE/docs/The-Fair-Chance-to-Compete-Act.pdf This job opportunity announcement may be used to fill additional vacancies.

To apply for this position, you must complete the Application Preview and submit the documentation specified in the required documents section below. https://apply.usastaffing.gov/ViewQuestionnaire/12877512 The complete application package must be submitted by 11:59 PM (EST) on 03/20/2026 to receive consideration.

1. To begin, click apply online to create a USAJOBS account or log in to your existing account.

Follow the prompts to select your USAJOBS résumé and/or other supporting documents and to complete the occupational questionnaire.

2.

Click submit my answers to submit your application package.

Note: It is your responsibility to ensure that your response and any appropriate documentation is submitted by the closing date of the announcement. To verify that your application is complete, log into your USAJOBS account, select the application status link, and then select the more information link for this position. The details page will display the status of your application, the documentation received and processed, and any correspondence the agency has sent related to your application.

Your uploaded documents may take several hours to clear the virus scan process. To return to an incomplete application, log into your USAJOBS account and click update application in the vacancy announcement.

You must re-select your resume and/or other documents from your USAJOBS account or your application will be incomplete. Once your application is submitted, updates are no longer accepted. To return to an incomplete application, log into your USAJOBS account and click Update Application in the vacancy announcement.

You must re-select your resume and/or other documents from your USAJOBS account or your application will be incomplete. Additional information for your consideration when making application: The Interagency Career Transition Assistance Plan (ICTAP) and Career Transition Assistance Plan (CTAP) provide eligible displaced Federal competitive service employees with selection priority over other candidates for competitive service vacancies. To be qualified you must submit appropriate documentation and be found well-qualified for this vacancy.

A well-qualified candidate is defined as meeting all of the minimum qualification standards and eligibility requirements as well as possessing skills that clearly exceed the minimum qualifications requirements for this position. Specifically, a well-qualified candidate will score 90 or above within the assessment portion of this vacancy. Information about ICTAP and CTAP eligibility can also be found: Here Notice to Applicants: It is the policy of the Government not to deny employment simply because an individual has been unemployed or has had financial difficulties that have arisen through no fault of the individual.

Information about an individual's employment experience will be used only to determine the person's qualifications and to assess his or her relative level of knowledge, skills, and abilities. Although an individual's personal conduct may be relevant in any employment decision, including conduct during periods of unemployment or evidence of dishonesty in handling financial matters, financial difficulty that has arisen through no fault of the individual will generally not itself be the basis of an unfavorable suitability or fitness determination. If you are unable to apply online or need an alternate method to submit documents, please reach out to the Agency Contact listed in this Job Opportunity Announcement.

Required Documents: Resume Resume Your resume may be submitted in any format, however, we strongly recommend using USA Jobs resume builder as it contains all of the information required on Federal resumes. For qualifications determinations your resume must reflect hours worked per week, the inclusive dates of employment, and the level of your experience. If your resume does not reflect this information you will not receive credit for the experience.

If you submit more than one copy of your resume, the most recent version will be reviewed. The latest timestamp will be used to determine which version of your resume is "most recent." It is your responsibility to check the status and timestamp of all documents you submit as part of your application. We would recommend that you not submit more than one version of your resume.

If your resume includes a photograph or other inappropriate material or content, we will not use it to make eligibility and qualification determinations, and you may not be considered further for the vacancy. Accepted Documents: Cover Letter DD-214/ Statement of Service Disability Letter (Schedule A) Disability Letter (VA) Four Essay Questions PCS Orders Performance Appraisal Proof of Marriage Status Resume Separation Notice (RIF) SF-15 SF-50/ Notification of Personnel Action Transcript Applicants claiming veterans' preference must also submit: A legible copy of your DD Form 214, "Certificate of Release or Discharge from Active Duty," showing all dates of service, as well as character of service (Honorable, General, etc.) is required. The member copy 2 or 4 of your DD Form 214 is preferable, as they show the characterization of service.

Copies of DD-214's can be requested: Here Current active duty members must submit a signed statement of service from their commander dated within the last 120 days that reflects their expected discharge date, their release from active duty under honorable conditions, any medals awarded, and the timeframe of their service so that eligibility can be determined. Veterans and others (Spouse, Parents, Widows/Widowers) claiming 10 point preference must also submit an SF-15 and all documents indicated on the form as proof of type of preference. This includes a VA letter supporting your disability claim with the overall percentage listed.

If you are unsure as to whether you qualify for veterans' preference, please consult the U.S. Department of Labor's Veterans' Preference Advisor: Here Transcripts If you are basing all or some of your qualifications on education or if a degree is required for the position, a transcript must be included as part of your application package. An unofficial transcript may be submitted, however, it must reflect the course names, levels, credits earned, grades received, and degree conferred if applicable.

Your transcript (official of unofficial) must reflect the degree conferred date if you are substituting a degree for experience. A photocopy of your degree is not acceptable in lieu of a transcript. An official transcript will be required at a later date if you are selected for the position.

Whenever possible it is preferable that you submit copies of official transcripts. Unofficial transcripts may lack essential information necessary for a full evaluation of your qualifications. Applicants claiming CTAP/ICTAP eligibility must also submit: Here Certification of expected separation, reduction-in-force separation notice, or notice of proposed removal; and your most recent performance evaluation; and an SF-50 demonstrating your separation or the position you will be separated from; or Worker's compensation separation (agency certification of inability to place employee and notification of separation or a separation SF-50; or Disability annuity termination (notification from OPM of disability annuity termination and separation SF-50 of the last position held); or Military reserve or National Guard technician special disability retirement annuity under 5 U.S.C. 8337(h) or 8456 (certification of special disability retirement annuity from a military department or National Guard bureau and separation SF-50 of the last position held).

Failure to submit any of the above mentioned required documents may result in loss of consideration due to an incomplete application package. It is your responsibility to ensure that all required documents have been submitted by the closing date of the announcement.

You will not be contacted for additional information.