Financial Analyst

U.S. Federal Government - Washington, DC4.3

This is a Bargaining Unit position.
This is not a (drug) testing designated position (TDP).

This position is located in the Small Business Administration, Office of Capital Access, Office of Credit Risk Management, Supervised Institution, Oversite Division located in Washington, DC.

In almost all cases, pay on a new appointment will be set at the minimum rate (GS-14 step 1, $117,191.00).

Plans and leads lender safety & soundness examinations.
Directs a team of contractors who perform lender staff interviews, conduct testing, review loan files, and complete analyses of the lenders' financial condition.
Supervises production of and edits the Reports of Examinations (ROE) by contractor staff. These ROEs describe in detail the condition of an SBA Lender's safety and soundness and its compliance with SBA Loan Program requirements.
Develops Findings and Corrective Actions to address weaknesses in financial condition and compliance with SBA regulations.
Conducts formal and informal meetings with SBA Supervised Lender management, officers and directors to discuss and resolve Findings, and communicates risk issues identified during examinations and ongoing monitoring.
When necessary, develops and executes supervisory and/or enforcement actions to address lenders' financial integrity and compliance with SBA loan program requirements.
Provides expert guidance in all activities related to the ongoing monitoring of the SBA Supervised Lenders' financial condition, as well as lender performance and compliance with SBA Loan Program requirements.
Directs contractor staff reviews of quarterly and annual reports of lender balance sheets, income statements and capital account reconciliations, as well as loan performance data to identify emerging risk issues.
Prepares and executes corrective action plans to address emerging risks.
Provides expert advice and guidance to senior management on condition of lenders in portfolio.
Identifies and communicates general emerging risk themes in non-depository lenders and overall 7(a) loan program.
Serves as a senior level advisor and recognized spokesperson for assigned activities.

Travel Required
Occasional travel - Travel to out of state financial institutions to participate in examinations is required.

Supervisory status

Promotion Potential

Job family (Series)
1160 Financial Analysis

Similar jobs
Analysts, Financial
Financial Analysts

Conditions of Employment
You must be a US Citizen.
You must successfully complete a background investigation.
You may be required to serve on a one-year probationary period.
Time-in-Grade: Current or former federal employees who have held a GS position in the preceding 52 weeks, must meet the time in grade requirement.
One year at the GS-13 level is required to meet the time-in-grade requirements for the GS-14 level.

Note: Time-In-Grade requirements also apply to former Federal employees applying for reinstatement as well as current employees applying for Veterans Employment Opportunities Act of 1998 (VEOA) appointment.


Basic Requirements:
GS-1160-14 :
EXPERIENCE: One year of specialized experience comparable in scope and responsibility to the GS-13 grade level in the Federal service (obtained in either the public or private sector). Specialized experience is defined as : Analyzing the audited and interim financial statements of for-profit or not-for profit commercial lending institutions to develop a comprehensive picture of their financial condition; and preparing written reports providing conclusions of the analyses with relevant supporting facts; and experience in commercial credit analysis and loan file review, as a commercial loan underwriter, commercial loan servicer, or loan workout specialist for a financial institution or government agency or experience performing commercial loan file reviews for a financial institution or regulator.

This experience must be clearly referenced in your resume. You must include hours worked per week for each employment entry.

You must include months, years and hours per week worked to receive credit for your work and/or volunteer experience. One year of specialized experience is equivalent to 12 months at 40 hours per week. Part-time hours are prorated. You will not receive any credit for experience that does not indicate exact hours per week or is listed as "varies".

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.

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.

All qualification requirements must be met by 11:59 pm (Eastern Time) on the closing date of this vacancy announcement.
Additional information
Serves as the lead primary regulator for a portfolio of SBA Supervised Lenders and the 7(a) loan program participants. Plan and lead safety and soundness examinations and direct the team of contractors that interviews and perform loan file reviews.

New federal employees will start at the GS-14, Step 1, $117,191 per annum.
The Full Performance Level of this position is a GS-14 .

Physical Demands: The work is primarily sedentary, although some slight physical effort may be required.

Work Environment: The work is performed in a typical office setting.

SUITABILITY, CLEARANCE & REQUIREMENTS: A background investigation may be required for all new hires. Appointment will be subject to the applicant's successful completion of a background investigation and favorable adjudication. Failure to successfully meet these requirements will be grounds for termination.

CTAP/ICTAP APPLICANTS: If you are applying for a special selection priority under SBA's Career Transition Assistance Plan (open to surplus SBA employees only) or the Interagency Career Transition Assistance Program (open to surplus and displaced Federal employees), you must submit proof of eligibility. Information about CTAP and ICTAP eligibility is on OPM's Career Transition Resources website at: CTAP/ICTAP.Those new to the federal government will typically be hired at the lowest rate of the salary range for the grade selected.

Selective Service: If you are a male applicant born after December 31, 1959, you must certify that you have registered with the Selective Service System, or are exempt from having to do so under the Selective Service Law. For additional information visit .

Consistent with work requirements and current SBA Policy, and all applicable provisions of the collective bargaining agreement with AFGE the SBA offers employees opportunities to perform work at an alternative location (e.g. home).

Telework may be available. For information on Telework visit:

Additional vacancies may be filled from this vacancy announcement if additional vacancies occur within 180 days of the date the certificates were issued.

OTHER EVALUATIONS : The Small Business Administration is committed to building a high-performing, 21st century workforce that possesses the following core attributes: cultural astuteness, technological proficiency, articulate, strong writing capabilities, superior conflict resolution skills, and exceptional presentation skills. Candidates should be prepared as they may be further evaluated on these attributes throughout the application and selection process.

How You Will Be Evaluated
You will be evaluated for this job based on how well you meet the qualifications above.

Applicants meeting basic eligibility requirements will be further evaluated based on the information provided in the Occupational Questionnaire. To preview this questionnaire, click on the following link: . You will be rated based on your responses to the occupational questionnaire. The occupational questions relate to the following Competencies required to do the work of this position:

Commercial Lending
Conflict Management
Financial Analysis
Risk Management

Your application will be evaluated under the Category Rating method based on your responses to the assessment questions.
You will receive a score based on the responses to the assessment questions.
If, after reviewing your resume and or supporting documentation, a determination is made that you have inflated your qualifications and or experience your score can and will be adjusted to more accurately reflect your abilities.
If you meet basic requirements for the position, your application will be evaluated and placed into one of three categories:

1. Best-Qualified: highly proficient with an overall comprehensive level of knowledge, skills and abilities related to the job based on a complete review of experience, education, and training as described in an applicant's responses to the assessment questions and resume.
2. Well-Qualified: competent in the position with an overall accomplished level of knowledge, skills, and abilities related to the job based on a complete review of experience, training, and education as applicable, as described in an applicant's responses to the assessment questions and resume.
3. Qualified: an overall basic level of knowledge, skills, and abilities related to the job based on a complete review of experience, education, and training, as described in an applicant's responses to the assessment questions and resume.

Candidates eligible for veterans' preference will be placed ahead of other candidates in the appropriate category for which they have been rated. Additionally, preference eligibles who have a compensable service-connected disability of at least 10 percent and who meet Minimum Qualification Requirements will automatically be placed in the Best Qualified Category.

Background checks and security clearance
Security clearance
Not Required

Drug test required

Required Documents

Required Documents

1. Your Resume - must contain the following information :
Name, address, telephone number, email address;
Supervisor's contact information, if available (indicate if you would prefer to be notified before your supervisor is contacted);
Job Title (if Federal Service, provide series and grade; if not in GS plan, provide GS equivalent grade);
If qualifying based on related unpaid (e.g. volunteer service) experience, you must provide hours worked per week and beginning/ending dates (mm/dd/yyyy to mm/dd/yyyy);
If other than full time you must provide hours worked per week.
An integral part of our selection process includes the completion of reference checks. Please provide the names and telephone numbers of three professional references (e.g., current and/or former supervisors, college or university professors, managers or coordinators of volunteer activities, etc.) who know your qualifications relative to this position and who we can contact to verify your credentials. Do not list personal friends or relatives.
PLEASE BE CLEAR AND SPECIFIC. WE WILL NOT MAKE ASSUMPTIONS REGARDING YOUR EXPERIENCE . If your resume/application does not support your questionnaire answers, we will not allow credit for your response(s). Your resume must contain sufficiently detailed information upon which to make a qualification determination. Please ensure that your resume contains specific information such as position titles, beginning and ending dates (mm/dd/yyyy - mm/dd/yyyy) 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.
Should you submit multiple resumes, only the latest uploaded resume will be reviewed .
2. A complete Occupational Questionnaire
3. In addition to the online application (resume and responses to the occupational questionnaire), you are required to submit the following forms, if applicable. It is the responsibility of the applicant to ensure all documents are legible.
If you are using education as a substitution for experience (the announcement will state whether this is allowed), or if there is an educational requirement for this position, you must submit a copy of your transcripts (unofficial or official) that clearly describes your qualifying education. If selected, official transcripts will be required;
If you are claiming Veteran status, you must submit a copy of all required documents to support your claim (to include member 4 copy of your DD-214 showing character of service)-see VetGuide ;
Veterans who are still in the service may be granted tentative preference on the basis of information contained in their applications, but they must produce a DD-214 (showing the character of service) or other proof of service to receive consideration for veterans' preference. For more information on Veterans' Preference, please visit .
If you are relying on your education to meet qualification requirements:
Education must be accredited by an accrediting institution recognized by the U.S. Department of Education in order for it to be credited towards qualifications. Therefore, provide only the attendance and/or degrees from schools accredited by accrediting institutions recognized by the U.S. Department of Education .

Failure to provide all of the required information as stated in this vacancy announcement may result in an ineligible rating or may affect the overall rating.


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. Learn more about federal benefits .

Review our benefits

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.