State of Maryland

CDA Lending and Risk Analyst I (#003725)

- Hourly / - BiWeekly /
- Monthly / $46,942.00-$74,933.00 Yearly




A CDA Lending and Risk Analyst I 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 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 they relate to 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 receive moderate supervision from a superior Lending and Risk Analyst or at times from a CDA Lending and Risk Manager.

Employees in this classification do not supervise, but may lead subordinate CDA Lending and Risk Analysts Junior.

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 Analysts I and II and III perform duties under moderate supervision and under general supervision at other times depending on the complexity of the specific duty being performed.


Reviews programs applications for compliance with federal and state rules and regulations, and program emphasis.

Perform financial/arithmetic calculations to ensure compliance with Federal and State Agencies regulations. For example, the Securities Exchange Commission (SEC), Internal Revenue Services (IRS) or the Maryland Public Service Commission.

Assists in coordinating the financial aspects of construction projects from conception to completion.

Demonstrates ability to learn and maintain knowledge of current practices and trends in construction.

Monitors construction draws and sales of approved projects

Demonstrates the ability to obtain learn and apply knowledge of building products, construction details, relevant rules, regulations and quality standards

Determine the amount of funding needed by program applicants to secure a specific CDA loan, grant, assistance program, or single or multifamily housing project.

Analyze 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 lenders

Monitor 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).   

Act as liaison with programs applicants, private lending institutions, stakeholders, and counterparts in other State and Federal agencies to explain DHCD-CDA programs requirements.

Prepare status reports on project or program information for use by supervisor or unit director.

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 industry pertaining to single family, multifamily, commercial and government loans.

Knowledge of Federal and State housing and/or assistance programs.

Knowledge of Federal, State and local laws pertaining to the construction industry.

Knowledge of real estate law

Knowledge of financial and accounting practices

Skill in evaluating the risk involved to the State or private stakeholders in granting loans, energy assistance, grants, rental assistance, single family and or multi-family housing or commercial projects;

Skill in interpreting financial statements;

Skill in using computerized spreadsheet applications and software;

Ability to perform arithmetic calculations;

Ability to establish and maintain effective working relationships with agency asset management officers, developers, bank officials, attorneys, equal opportunity officers, local government officials and Federal housing department staff.


Education: A bachelor's degree in business administration, architecture, construction management, finance, economics, real estate, architecture or any other related field.

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

Note: 1. Additional experience described above may be substituted on a year-for-year basis for the required education.

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 and education


Class specifications are DHCD specific job descriptions covering groups of positions used by the Community Development Administration Division within this agency. Position descriptions maintained by the using department or agency specifically address the essential job functions of each position.

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 DHCD, the using agency.

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.

Date Established

July 1, 2019

Approved By

Director, Division of Classification and Salary

CLASS: 003725; EST: 7/1/2019; REV: ;

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