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Loan Specialist

Department of Veterans Affairs
Veterans Benefits Administration
Loan Guaranty Service

Summary

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.

Overview

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Accepting applications
Open & closing dates
02/13/2026 to 02/20/2026
Salary
$76,463 to - $99,404 per year

Salary shown is the basic pay WITHOUT locality pay. Once selections are made the locality pay WILL BE added to the salary based on the duty location.

Pay scale & grade
GS 12
Locations
6 vacancies in the following locations:
Phoenix, AZ
Denver, CO
Washington, DC
Saint Petersburg, FL
Remote job
No
Telework eligible
Yes—as determined by the agency policy.
Travel Required
Occasional travel - You may be expected to travel for this position.
Relocation expenses reimbursed
No
Appointment type
Permanent
Work schedule
Full-time
Service
Competitive
Promotion potential
None
Job family (Series)
Supervisory status
No
Security clearance
Not Required
Drug test
No
Position sensitivity and risk
Non-sensitive (NS)/Low Risk
Trust determination process
Financial disclosure
No
Bargaining unit status
No
Announcement number
101-LGY-12877617-26-MR
Control number
857708200

Duties

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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

Requirements

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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.

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/.

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

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)

Candidates should be committed to improving the efficiency of the Federal government, passionate about the ideals of our American republic, and committed to upholding the rule of law and the United States Constitution.

How you will be evaluated

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

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.

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