State of Maryland

A Community Development Administration (CDA) Lending and Risk Analyst II is the intermediate level of work gathering, processing, monitoring, examining, and evaluating the risk involved in granting CDA loans, grants, rental assistance, energy assistance, or any other technical assistance under the Maryland Department of Housing and Community Development (DHCD) federal and State sponsored government programs. These programs include but are not limited to mortgage lending, energy assistance, grants, rental assistance, business lending, special loans, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation. Employees in this classification may also perform the coordination of tasks as related to the construction management process for projects utilizing one or several CDA programs including but not limited to, CDA loans, grants, energy assistance, rental assistance, special loans, business lending, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation.  Employees in this classification may administer a CDA specialized program (s) which may include but is not limited to CDA loans, grants, energy assistance, rental assistance, special loans, business lending, multifamily housing finance, housing rehabilitation, infrastructure and neighborhood rehabilitation. Employees in this classification do not supervise other CDA Lending and Risk Analysts but may lead CDA Lending and Risk Analysts Junior.

Employees in this classification receive moderate supervision from a higher level CDA Lending and Risk Analyst.  The work may require travel throughout the State of Maryland to attend conferences, hearings, meetings, or site inspections.

Positions in this classification are evaluated by using the classification job evaluation methodology. The use of this method involves comparing the assigned duties and responsibilities of a position to the job criteria found in the Nature of Work and Examples of Work sections of the classification specification.

The CDA Lending and Risk Analyst I, CDA Lending and Risk Analyst II and CDA Lending and Risk Analyst III, are differentiated on the basis of degree of supervisory control exercised by the supervisor over these employees. The CDA Lending and Risk Analyst I, CDA Lending and Risk Analyst II and CDA Lending and Risk Analyst III perform duties under moderate supervision and under general supervision at other times depending on the complexity of the specific duty being performed.

Reviews applications for compliance with federal, state and local laws, rules, regulations, and program emphasis pertaining to the lending and construction industry;

Gathers the required program documentation and organizes it for its further evaluation to determine program eligibility;

Performs financial/arithmetic calculations to ensure compliance with federal and State agencies regulations - for example, the Securities Exchange Commission (SEC), Internal Revenue Services (IRS), the U.S. Department of Housing and Urban Development, or the Maryland Public Service Commission;

Plans and participates in project pre-construction meetings;

Assists in coordinating construction projects from conception to completion;

Determines the amount of funding needed by program applicants to secure a specific CDA loan, grant, assistance program, single family housing, or multifamily housing development and rehabilitation, neighborhood revitalization and business development, community infrastructure development, and or historic preservation project, as applicable;

Analyzes feasibility of project, including market area competition or saturation, and/or income restrictions of program applicants;

Performs risk analysis to determine acceptability and degree of risk of projects to the State or private stakeholders;

Reviews and analyzes program documentation which may include but is not limited to loans, grants, assistance programs, single family housing, multifamily housing and or commercial construction projects;

Monitors CDA programs and/or projects to ensure compliance with federal, and State laws and regulations - for example, the Fair Housing Act, the Davis Bacon Act, and or the Annotated Code of Maryland (COMAR);

Conducts site inspections to ensure compliance with program guidelines;

Acts as liaison with programs applicants, private lending institutions, contractors, stakeholders, and counterparts in other State and federal agencies to explain DHCD-CDA programs requirements;

Prepares status reports on project or program information for use by supervisor or unit director;

Reviews and analyzes project or program information that may include but is not limited to program application, income statements, cash flow, debt service computations and cost certification, plats, blue prints to determine if beneficiary, property, and or program conditions meet State standards;

Performs other related duties.

Knowledge of federal and State laws governing DHCD-CDA loans, energy assistance programs, CDA grants, rental assistance programs, as well as technical assistance programs for multifamily and single family housing development and rehabilitation, neighborhood revitalization and business development, community infrastructure development, historic preservation and other areas related to housing and community development programs;

Knowledge of the lending and or construction industry;

Knowledge of federal and State housing programs;

Knowledge of federal, State and Local laws pertaining to the construction industry;

Knowledge of real estate laws;

Knowledge of financial and accounting practices;

Skill in evaluating the risk involved to the State in granting loans, assistance programs, or grants to programs applicants;

Skill in evaluating construction documents such as construction plans, specifications, blue prints, and or construction budgets;

Skill in evaluating real estate sites and real estate markets;

Skill in interpreting financial statements;

Skill in using computerized spreadsheet applications and software;

Ability to perform arithmetic calculations;

Ability to develop and present reports, analyses and recommendations;

Ability to establish and maintain effective working relationships with programs applicants, bank officials, Attorneys, developers, contractors, counterparts in other federal and State agencies.

Experience: Seven years of experience evaluating the risk involved in granting single family, multifamily and commercial loans, government assistance programs, and/or construction management.

Notes:

1. Candidates may substitute the possession of a Bachelor's degree from an accredited college or university in Business Administration, Architecture, Construction Management, Finance, Economics, Real Estate, Architecture or any other related field and three years of experience evaluating the risk involved in granting single family, multifamily and commercial loans, government assistance programs, and/or construction management for the required experience.

2. Candidates may substitute U.S. Armed Forces military service experience as a commissioned officer in loan specialist classification, loan specialist specialty codes in the loan specialist field of work, 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.

Class Descriptions provide information about the Nature of Work, Examples of Work, General Requirements and Acknowledgements.  The Required Knowledge, Skills, and Abilities; Minimum Education and Experience Requirements; Special Requirements; and recruitment and testing procedures are set by the using agency.

This is a Maryland DHCD specific job description and covers a group of positions used by the Community Development Administration Division within this agency.  Position descriptions maintained by the using department specifically address the essential job functions of each position.

This is a Skilled Service classification in the State Personnel Management System. All positions in this classification are Skilled Service positions.  Some positions in Skilled Service classifications may be designated Special Appointment in accordance with the State Personnel and Pensions Article, Section 6-405, Annotated Code of Maryland.

This classification is assigned to Bargaining Unit G, Engineering, Scientific and Administrative classes.  As provided by the State Personnel and Pensions Article, Section 3-102, special appointment, temporary, contractual, supervisory, managerial and confidential employees are excluded from collective bargaining.  Additionally, certain executive branch agencies are exempt from collective bargaining and all positions in those agencies are excluded from collective bargaining.

Director, Division of Classification and Salary