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  • CDA Lending and Risk Analyst Senior IV (052878) Team Leader – Multi Family Loan Underwriter HDP

    7800 Harkins Road lanham md 20706, Lanham, Maryland United States Maryland Department of Housing and Community Development Full Time $104,519 - $138,943/year (Grade 23 with promotional growth to $162,800) Jan 30, 2026
    The Maryland Department of Housing and Community Development Employer:

    Maryland Department of Housing and Community Development

    Work that matters. The Maryland Department of Housing and Community Development (DHCD) is a national leader in the financing of affordable housing and revitalizing communities. 

    Summary

    CDA Lending and Risk Analyst Senior IV (052878)

    Team Leader – Multi Family Loan Underwriter HDP

    Recruitment # 26-003732-0001 Filing Deadline – 2/11/2026 11:59:00 PM

    Salary - $104,519 - $138,943/year (Grade 23 with promotional growth to $162,800)

     

    This is a Management Service position with full Maryland State Benefits 



    Work that Matters.  The Maryland Department of Housing and Community Development (DHCD) is a national leader in the financing of affordable housing and revitalizing communities.  This is an opportunity to join this nationally-recognized, award-winning organization and apply your skills to this high public purpose and challenging area.  Annually, DHCD finances approximately 4,000 units of multifamily rental housing in 40 properties, amounting to $500 million in construction and permanent financing. Funding comes from a variety of sources, including state-appropriated funds, taxable and tax-exempt revenue bonds, federal low income housing tax credits, federal HOME funds and other federal funds.  Additionally, DHCD administers rental assistance programs and innovative initiatives designed to expand affordable housing opportunities for persons with disabilities, increase the energy efficiency and sustainability of affordable multifamily developments, and preserve rental housing.

    The purpose of this position is to manage the work of a team of underwriters who assess project risk from multiple perspectives (financial; reputational; and life, health and safety) and structure transactions to achieve Departmental goals while mitigating those risks.

    The position plans, coordinates, direct, negotiates, examines, examines, analyzes, and interprets financial and/or construction data associated with  DHCD-CDA lending programs, CDA grants, energy assistance programs, rental assistance programs, or any other technical assistance pertaining to mortgage lending, energy assistance, grants, rental assistance, business lending, special loans, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation.

    DHCD offers a flexible work schedule, telework and job sharing options, training, advancement and career path opportunities, casual business dress on Fridays, and a competitive salary. There is ample parking and our offices are located in walking distance to the New Carrollton MARC Train Station. 

    GRADE

    23

    This position offers a salary range of $104,519 - $138,943/year, with potential for advancement up to $162,800 based on qualifications, equity, and hiring guidelines.  Initial salary offers are determined by qualifications, experience, and available budget, and typically do not exceed $138,943/year. 

    LOCATION OF POSITION

    7800 Harkins Road Lanham, MD 20706

    The Maryland Department of Housing and Community Development Headquarters is located in Prince George’s County across from the New Carrollton Metro Stop.

    Job Description

    CDA Lending and Risk Analyst Senior IV, along with other related duties, is responsible to plan, coordinate, direct, negotiate, examine, analyze, and interpret financial and/or construction data associated with DHCD-CDA lending programs, CDA grants, energy assistance programs, rental assistance programs, or any other technical assistance pertaining to mortgage lending, energy assistance, grants, rental assistance, business lending, special loans, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation.  

    The CDA Lending and Risk Analyst Senior IV oversees the work of a team of underwriters who assess project risk from multiple perspectives (financial, reputational, and life, health, and safety and then structures transactions to achieve Departmental goals while mitigating those risks).

    The CDA Lending and Risk Analyst Senior IV will spend up to 70% of their time supervising, training, and coaching underwriters as assigned by a CDA Lending and Risk Director or the appropriate appointing authority.

    Job Requirements

    Education: A Bachelor’s degree in Finance, Business Administration, Economics, Accounting, Construction Management, Architecture, or a related field from an accredited college or university.

    Experience: At least four years of professional financial/risk analysis experience in the private or public sector, managing government programs, lending and risk analysts, debt portfolios, examining and or analyzing financial statements, budget, grant or real estate investment portfolio records and reports, or four years of experience in Construction Management pertaining to single family and multifamily housing government programs. One year of this experience must have been in a supervisory capacity.

    Notes:

    1. A Quality Control Inspector certification, Project Management Certification, Leadership in Energy and Environmental Design (LEED) certification or certified Public Accountant (CPA) certification or documented eligibility to sit for the CPA Examination may be substituted for the educational requirement.

    1. A Master’s degree in Finance, Business Administration, Architecture, Construction Management, Economics, Accounting or a related field from an accredited college or university may be substituted for two years of the required experience.

    1. Candidates may substitute one year of lending and risk professional experience, such as managing financial asset and debt portfolios, or one year of residential construction discipline or multifamily construction management. 

    1. Candidates may substitute U.S. Armed Forces military service experience as a commissioned officer in the Accounting or Loan Officer Classifications, or as a commissioned officer in business and industry classification or business and industry specialty codes in the housing management field of work on a year-for-year basis for the required experience and education.

    DESIRED OR PREFERRED QUALIFICATIONS

    • Experience in Federal Low-Income Housing Tax Credit or related federal investment tax credit programs. 
    • Experience in Affordable rental housing preservation programs.    
    • Experience in FHA-insured multifamily housing insurance programs.
    • Experience in Taxable and tax-exempt bond financing programs. 
    • Experience in Energy efficiency programs for affordable multifamily housing; and disability or supportive housing.

    Special Instructions

    Please mention you found this employment opportunity on the CareersInGovernment.com job board.

    Additional Information

    TTY Users: Call via Maryland Relay

    We thank our Veterans for their service to our country and encourage them to apply.

    As an equal opportunity employer, Maryland is committed to recruiting, retaining, and promoting employees who are reflective of the State’s diversity.

    For more information and to apply:

    Job Announcement: CDA LENDING AND RISK ANALYST SENIOR IV (052878) - State of Maryland

    Please mention you found this employment opportunity on the CareersInGovernment.com job board.

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Careers in Government Housing: A Path to Community Impact

Careers in Government Housing: A Path to Community Impact

Government housing jobs offer a unique opportunity to contribute to community development by ensuring access to affordable housing. These roles exist across federal, state, and local levels, each with distinct responsibilities that shape urban development, public housing programs, and fair housing initiatives.

 

What Are Government Housing Jobs?

Government housing jobs encompass a range of career opportunities focused on developing, managing, and supporting affordable housing programs. These roles contribute to the mission of providing safe, affordable housing for all, focusing on combating housing inequality and fostering vibrant communities.

Federal agencies like the Department of Housing and Urban Development (HUD) oversee large-scale housing policies, including Public and Indian Housing programs. These programs aim to support individuals and families with low incomes, disabilities, and special needs, ensuring fair housing access for all.

 

Federal Government Housing Roles

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Working in federal government housing positions often involves creating policies, managing programs, and supporting local housing authorities. Typical roles at this level include:

  • Policy Analysts: Develop and assess federal housing policies and analyze their impact on communities and vulnerable populations.
  • Program Managers: Oversee the implementation of federal housing initiatives, ensuring compliance with HUD’s mission and objectives.
  • Grant Administrators: Manage federal funding that supports affordable housing programs, including public and Indian housing.

These federal employees are crucial in ensuring equal opportunity and fair housing nationwide. Positions in HUD and related agencies offer stable, meaningful careers in public service where you can directly impact housing equality.

 

State and Local Government Housing Jobs

Housing agencies implement federal programs at the state and local levels while tailoring solutions to address regional needs. These roles typically offer more direct interaction with communities:

  • Housing Finance Specialists: Manage state-funded affordable housing programs, ensuring compliance with state and federal regulations.
  • Compliance Officers: Ensure local housing developments meet safety, environmental, and legal requirements.
  • Community Planners: Develop urban planning initiatives to create sustainable, affordable housing for future generations.

Local housing authorities are often the first line of support for community members seeking affordable housing. These positions require strong community engagement and an understanding of local housing policies. Public housing managers, community development coordinators, and fair housing investigators are just a few examples of key roles at the local level.

 

The Impact of Government Housing Jobs

Government housing jobs are not just about constructing homes; they involve addressing complex social and economic challenges that directly impact families and communities. Here’s how these jobs make a difference:

  • Alleviating Poverty: Affordable housing allows low-income families to allocate resources to essential needs like education and healthcare, breaking the cycle of poverty.
  • Improving Public Health: Safe housing environments reduce exposure to environmental hazards and provide stability, improving the health and well-being of residents.
  • Boosting Economic Growth: Affordable housing initiatives generate local jobs through construction projects and foster economic stability by allowing residents to contribute to their local economies.
  • Promoting Social Equity: Housing professionals work to eliminate racial and economic segregation by ensuring equal access to affordable housing and promoting community diversity.
  • Reducing Homelessness: Government housing programs, such as emergency shelters and long-term affordable housing projects, provide critical support to reduce homelessness.
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Each of these impacts highlights the broader societal benefits of government housing jobs. Whether working in public service as a program manager or as a compliance officer ensuring safety standards, you are essential in fostering community stability and economic growth.

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How to Start a Career in Government Housing

Pursuing a career in government housing can be incredibly rewarding. There are numerous ways to get started, and various paths are available, from entry-level positions to leadership roles.

1. Educate Yourself on Housing Policies and Programs

Understanding the landscape of affordable housing and the role of agencies like HUD is essential. Resources such as the National Low Income Housing Coalition provide valuable insights into current housing policies and challenges.

2. Identify Your Area of Interest

Government housing jobs span many areas, including policy development, community planning, human resources management, and housing authority leadership. Could you reflect on which aspects of housing resonate with your skills and interests?

3. Gain Relevant Education

Consider degrees in urban planning, public administration, or social work. Specialized programs in housing policy, public finance, or community development can also provide the skills needed to excel in this sector. For recent graduates or military spouses, there are often programs that offer additional support and training for government jobs.

4. Develop Key Skills

Many government housing jobs require expertise in project management, data analysis, and communication. You can build these skills through workshops, internships, or volunteer work with non-profits involved in housing development. Having experience in compliance, community outreach, or urban development can make you a more competitive candidate.

5. Network and Explore Job Opportunities

Networking with professionals in housing agencies can open doors to new opportunities. Organizations like the National Association of Housing and Redevelopment Officials (NAHRO) offer events and memberships that connect you with industry leaders. Setting up job alerts for positions at HUD, city and county housing authorities, and community development organizations will also inform you about openings.

6. Tailor Your Resume and Application

When applying for a government housing job, customize your resume to highlight relevant experience in public housing, community planning, or housing authority management. Emphasize your skills in compliance, program management, and housing development, using keywords from the job descriptions to align your application with the role.

 

Why Government Housing Jobs Matter

Government housing jobs go beyond traditional employment; they offer a chance to serve communities, promote equality, and provide essential resources for those in need. Employees in these roles are committed to building a more inclusive and equitable society where everyone can access affordable housing.

HUD’s commitment to equal employment opportunity ensures that individuals from all backgrounds, including recent graduates, military spouses, and individuals with disabilities, have the chance to join the ranks of public service. Programs supporting diversity, education, and career transition are essential in maintaining a robust workforce within the federal government and local agencies.

By choosing a career in government housing, you are not just embarking on a job – you’re joining a mission to improve the quality of life for individuals, families, and entire communities.
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Conclusion: Is a Government Housing Career Right for You?

If you’re passionate about public service and want to make a tangible impact on communities, a government housing job could be the perfect fit. Whether you’re interested in community planning, housing policy, or direct engagement with housing programs, there are endless opportunities to grow and make a difference.

Take the first step today by researching job openings, connecting with housing professionals, and developing the skills needed to thrive in this vital field. With government housing jobs, your work can create lasting change, helping build more equitable, sustainable, and vibrant communities for all.

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