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Yyyyyy x. yyyyyy                        United States of America

Veterans' Preference:                No
Highest Grade:                          GS-1165-9, 09/2007-Present
Contact Current Employer:         Yes

 

Vacancy Announcement: WA-08-03

 

 

KSA QUESTIONS/RESPONSES

 


1. Knowledge of accounting and financial analysis sufficient to determine the present and future financial condition of a business organization. Calculates, reviews and interprets, accepted financial ratios used in business financial analysis.  Give examples of your accomplishments in reviewing and analyzing the financial condition of business organizations and/or reviewing credit and loan applications.

 

I offer over 20 years of loan underwriting experience in commercial, mortgage and personal lending. Throughout much of my career in financial/lending positions, the ability to proficiently calculate in interpret complex financial ratios as well as comprehensively evaluate a broad range of business documents has proven vital to successfully determining financial conditions and creditworthiness in order to facilitate risk-controlled, secure lending activities.

 

For example, in my current position as an Area Specialist responsible for analyzing, processing and servicing Community, Business and Cooperative Program loans, I conduct extensive reviews and analyses of P&L and Financial statements in order to not only determine client ability to meet loan repayment requirements, but to determine the feasibility of proposed projects and the role we will play as the lender in providing financial support as well levels of potential risk.  As a result of my endeavors, I have been able to successfully build a solid portfolio of receivables. 

 

Similarly, as a Home Mortgage Consultant with Wells Fargo and Branch Manager with Citifinancial, I was relied upon to make sound lending decisions based on thorough analyses of applicant financial data.  I reviewed and analyzed a high volume of credit reports, payroll documents, income tax returns, and related financial materials. This proved instrumental to originating a high volume of quality loans. While with Citifinancial, I was in charge of loan underwriting for a branch with an $18M portfolio of receivables. Through extensive analyses of applicant/client financial documents, I was able to optimize our performance in driving revenue growth while controlling receivables at a high-success rate.



 

 

 

 

Yyyyyy x. yyyyyy                        United States of America

Veterans' Preference:                No
Highest Grade:                          GS-1165-9, 09/2007-Present
Contact Current Employer:         Yes

 

Vacancy Announcement: WA-08-03

 

 

KSA QUESTIONS/RESPONSES


2. Knowledge of social, economic, and credit needs and problems in rural areas. Discuss your experience in conducting outreach and marketing of lending programs to rural populations; identify the social, economic, environmental, and credit needs and problems in rural areas; your involvement in community development activities.

 

As an Area Specialist, I offer current, comprehensive background in Rural Development issues and related socioeconomic and credit needs.  Working with loans/loan guarantees as well as grants, I am well-versed in diverse rural needs ranging from utilities, water and waste disposal to public/community facilities and have steered lending initiatives targeting a broad range of projects including health care, fire and life safety, cultural, educational, and transportation.  I am responsible for providing expert technical guidance to rural communities and have established, developed and continue to maintain a strategic network of professional relationships with multiple government and community representatives.  I also take the personal initiative to acquire and maintain relevant knowledge of existing and projected Rural Development programs and services throughout my region. In recognition of my subject matter expertise, I am often a point of contact in providing informed recommendations on maximizing outcomes of affiliated Rural Development marketing programs.

 

While managing Eastern Washington State s market for Citifinancial from 1990-2006, I also had the opportunity to work with diverse populations and within varied communities, allowing me acquire an extensive knowledge of regional rural development trends and requirements. In this position, I capitalized on my knowledge of diverse community needs and applied it toward defining and penetrating lucrative markets leading to our successfully growing our commercial lending division and expanding our revenue resources.

 

 

 

 

 

 

 

 

 

 

Yyyyyy x. yyyyyy                        United States of America

Veterans' Preference:                No
Highest Grade:                          GS-1165-9, 09/2007-Present
Contact Current Employer:         Yes

 

Vacancy Announcement: WA-08-03

 

 

KSA QUESTIONS/RESPONSES



3. Knowledge of federal, state and local government rural development and assistance laws and regulations. Give examples of your experience in applying credit principles and practices sufficient to address other lending programs.

 

As a current Government employee specializing in Rural Development, I possess a solid understanding of applicable Federal, State and Local regulatory guidelines driving community assistance protocol and policy.  Since assuming the position of Area Specialist, I have been actively involved in diverse Community, Business and Cooperative programs addressing issues and projects ranging from utilities, facilities and environmental to cultural, educational and transportation.  In support of these programs, and with authority on making and servicing loans,  I consistently apply advanced financial and credit principles and practices toward analyzing extensive financial and credit documents and qualifying applicants.  Further, I extensively review and evaluate Rural community activities in areas including, among others, loan making and credit counseling.

 

I believe my prior background in underwriting commercial, mortgage and personal/consumer loans further demonstrates a comprehensive knowledge of credit principles and practices and their application in diverse lending programs.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Yyyyyy x. yyyyyy                        United States of America

Veterans' Preference:                No
Highest Grade:                          GS-1165-9, 09/2007-Present
Contact Current Employer:         Yes

 

Vacancy Announcement: WA-08-03

 

 

KSA QUESTIONS/RESPONSES

 

 

4. Ability to communicate orally to deal effectively with people through clear, tactful, and logical discussion. Give examples of your experience in meeting with individuals and groups to present and explain material.  Describe the size of the group, difficulty of topic and examples of working collaboratively with others. 

Direct interface with varied populations both one-on-one and in group settings has been a routine component of my career as a Branch Manager, Home Mortgage Consultant and more recently as an Area Specialist largely focused on Rural Development. 

 

In my present position, I have successfully applied my dynamic communication and interpersonal relation skills toward cultivating proactive professional relationships with government representatives and rural community leaders throughout my region.  This has allowed me to excel in defining, addressing and supporting Rural Development needs and has required that I be able to effectively articulate complex credit, finance, policy/procedure and regulatory information as well as clearly discuss topics of a highly technical nature, such as public environmental, transportation, health care, and utility issues. Further, in this position I apply my sharp verbal communication skills toward participating in pre-construction and marketing meetings.

 

Additionally illustrating my communication abilities, while with Citifinancial I was personally recognized throughout our Eastern Washington market for my talents in recruiting, training, developing, and leading high-performance teams.  I have delivered educational and training presentations to retail groups averaging 10-30 participants, focused on retail lending portfolio.  I ve also spearheaded a highly successful employee satisfaction survey, actively collaborating with the Pacific Northwest regional team in its implementation, and delivered a final presentation to the Management Council.  Of course, as a Home Mortgage Consultant, strong communication skills were vital to identifying client financial needs, delivering presentations of optimal lending solutions and educating clients on the lending products and processes.

 

 

 

 

 

 

Yyyyyy x. yyyyyy                        United States of America

Veterans' Preference:                No
Highest Grade:                          GS-1165-9, 09/2007-Present
Contact Current Employer:         Yes

 

Vacancy Announcement: WA-08-03

 

 

KSA QUESTIONS/RESPONSES


5. Ability to communicate in writing. Describe your most complex, technical writing experience. Give emphasis to subjects pertaining to business loan and grant programs. 

 

For over 20 years in the finance/lending industry, I have been compiling, preparing and submitting complex written evaluations and recommendations for senior management loan approval, detailing everything from scope of project and credit worthiness to security and personal recommendations.  With current responsibility for analyzing, processing and servicing loan and grant programs, I am consistently developing analytical, statistical and financial materials and routinely communicate in writing with both internal and external program/project stakeholders. 

 

Similarly, originating and underwriting high volumes of loans with Wells Fargo and Citifinancial required that I effectively create quality complex documents. Additionally, as a Branch Manager, I have authored/developed written policies and procedures, surveys, questionnaires, training materials, marketing plans, presentations, and related business collateral.

 

 

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