Financial Analyst

Small Business Administration

$85K — $102K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in commercial credit analysis or loan file review.
  • Background in underwriting or servicing commercial loans for financial institutions or government agencies.
  • Proven ability to identify risks in loan portfolios.
  • Experience conducting loan file reviews for regulatory compliance.
  • Strong understanding of SBA's 7(a) and 504 Loan Programs.

Responsibilities

  • Act as a subject matter expert for 7(a) or 504 Loan Programs.
  • Analyze loan portfolios to detect problems and risks.
  • Lead Risk-Based Reviews on lender compliance.
  • Advise officials on potential risks to loan portfolios.
  • Develop strategies to address identified issues.

Benefits

  • Comprehensive benefits package for federal employees.
  • Access to family healthcare coverage.
  • Retirement savings plans with employer contributions.
  • Paid time off and federal holidays.
  • Career development opportunities through federal training programs.
Full Job Description
Summary

This position is located in the Small Business Administration, Office of Capital Access in Washington, D.C. The incumbent serves as a subject matter expert as the Reviewer-in-Charge for Risk-Based Reviews performed to assess Regulated and Supervised Institutions programs and compliance with SBA Loan Program Requirements.

Duties

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As a/an Financial Analyst at the GS- 1160-13, some of your typical work assignments may include:

  • Serve as a subject matter expert for the 7(a) or 504 Loan Program.
  • Analyze 7(a) or 504 loan portfolios to identify problems, risks, and negative trends.
  • Serve as the Reviewer-in-Charge for Risk-Based Reviews performed to assess 7(a) or 504 Lender risk and compliance.
  • Advise high-level officials on risk to the 7(a) and 504 loan portfolios.


Requirements

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Conditions of employment

  • You must be a U.S. Citizen
  • You must successfully complete a background investigation.
  • You must be able to obtain and maintain a government travel credit card.


Qualifications

GS-13: One year of specialized experience, equivalent to the GS-12 grade level in the Federal service, obtained in either the private or public sector: 1. Working 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; and 2. Identifying problems or risks to a commercial lender or loan portfolio; and 3. Performing commercial loan file reviews for a financial institution or regulator. These qualifications must be clearly referenced in your resume.

There is no education substitution for this grade level.

If you are a current career or career-conditional federal employee applying for promotion under Merit Promotion you must have completed a minimum of 52 weeks in positions at the next level lower than the position being filled.

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:

Financial Analysis Series 1160

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.

Generally, time in Non-Pay status as a federal employee is not creditable towards the specialized experience requirement listed above.

All qualification requirements must be met by 11:59 pm (Eastern Time) on 08/28/2026.

Education

APPLICANTS PLEASE NOTE: 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 (particularly positions with a positive education requirement.) Therefore, applicants must report only attendance and/or degrees from schools accredited by accrediting institutions recognized by the U.S. Department of Education. Verify School accreditation. All education claimed by applicants will be verified by the appointing agency accordingly.

If you are selected for this position and qualified based on education (i.e. basic education requirement and/or substitution of education), you will be required to provide an OFFICIAL transcript prior to your first day on duty.

*** 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, click on: Foreign Education.

Additional information

This is a bargaining unit position with AFGE Local 228.

This is not a (drug) testing designated position.

Career and InterAgency Career Transition Assistance Programs: Are programs that applies to employees who have been involuntarily separated from a Federal service position within the competitive service or Federal service employees whose positions have been deemed surplus or no longer needed.

Career Transition Assistance Plan (CTAP) is a program that helps "surplus" or "displaced" federal employees improve their chances of finding a new job in their current agency (intra-agency, i.e. SBA employees only).

Inter-Agency Career Transition Assistance (ICTAP) is a program that helps "surplus" or "displaced" federal employees improve their chances of finding a new job at another agency (inter-agency; i.e. not applying to their current or former agency).

You are eligible for CTAP/ICTAP if:

1. You are a current federal employee who meets the definition of a "surplus" or "displaced" employee meaning you have received official notice that your job is no longer needed or that you will lose your job by Reduction-in-Force (RIF).

2. Your agency, or the agency to which you are applying, is accepting applications from within or outside of the permanent workforce.

3. The position to which you are applying MUST BE in the Local Commuting Area of the position of record from which you are being displaced.

4. You meet the qualifications and other requirements of the job for which you are applying. This includes being rated as well-qualified for the position (score of 85 or better based on your responses to the competencies and associated questions listed within the assessment)..

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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.

Benefits

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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. Opens in a new windowLearn more about federal benefits.

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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.

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