Senior Financial Analyst (Mortgage Finance)

Company: Housing Opportunity Com
Location: Kensington
Posted on: February 16, 2026

Job Description:

Job Description Job Description Senior Financial Analyst: The Housing Opportunities Commission of Montgomery County (HOC) was established in 1974 to better respond to the County’s need for affordable housing. HOC is authorized to acquire, own, lease, and operate housing; to provide for the construction or renovation of housing; obtain financial assistance from any public or private source to assist its housing activities; and arrange for social services, resident services, and daycare. Job Description: The Senior Financial Analyst is a professional position responsible for assisting the Mortgage Finance Division in evaluating and documenting credit risk. The position provides analytical support to the multifamily underwriting staff which requires monitoring the work flow and administration of documents related to the financing of multifamily real estate transactions as well as processing and monitoring of the use of bond proceeds during the construction period. This position requires an extensive knowledge of the principles of real estate and mortgage finance in order to perform the due diligence related to the underwriting of the acquisition or refinance of multifamily real estate projects. The due diligence process includes, but is not limited to, the analysis of financial statements, collection and review of documents, analysis of compliance with loan requirements and the performance of audits on assigned aspects of the loan management and underwriting processes. An employee in this position is expected to be capable of controlling all aspects of work assigned within the limits of agency objectives and available resources in consultation with the supervisor. The nature of the work requires the employee to adapt or interpret existing guidelines and make recommendations based upon an analysis of the situation. Work requires a considerable amount of assessment and analysis of programs and processes, including the ability to determine financial viability and physical soundness of properties, appropriateness of financing documentation, and the flow of cash and capital project expenditures to achieve the goals of the agency from each financing. Incumbent must be able to identify negative conditions for properties and financing in order to avoid risk and potential problem areas. Primary contact is with staff throughout HOC, and the Commission. However, there is ongoing consultation with Mortgage Finance personnel, Real Estate Development Division Personnel & Legal staff and the Director of Mortgage Finance to agree on an acceptable course of action or provide advice in areas of expertise. The work environment is the typical office setting and has no significant hazards. Example of Duties: Complete special Assist in FHA Risk-Sharing and Federal Financing Bank program monitoring and administration through engagement with Mortgage Finance personnel, Asset Management and Property Management Divisions of HOC. Review and analysis of documentation and property performance information for properties. Engagement with Legal, IT, Asset Management, Property Management and Mortgage Finance personnel to develop a lending and loan management database in support of the mortgage finance activities. Development of financial models to support the evaluation of financing scenarios and develop recommendations to Senior Multifamily Underwriters and Mortgage Finance Leadership. Examination, analysis and interpretation of data, including financial statements, construction contracts, construction budgets, change orders, feasibility studies, appraisals, environmental studies and other related third party reports. Support the issuance of bond issues to facilitate the financing of projects, including the review of various bond documents in conjunction with Multifamily Underwriting personnel and the leadership of Mortgage Finance. Collection and analysis construction and permanent loan data from various sources. Collection and analysis of market data related to affordable housing properties in Montgomery County that may include various revenue streams such as retail, commercial and residential leases. Assist in the reconciliation of data discrepancies and ensure the integrity of mortgage loan data while processing loans through HOC’s various systems. Development of multi-year pro forma(s) and calculate financial ratios. Analysis of historical property financial statements. including interaction with the Property Management and Asset Management Divisions of HOC Conduct inspections of subject and comparable properties and analysis of neighborhood and market characteristics. Manage the collection of required documentation during the underwriting process, including the coordination of documentation from various HOC Divisions. Analysis of bond draws and construction draws for all bond proceeds. Maintain knowledge on government and industry policies and regulations that may affect HOC programs and be comfortable with transition and change. Minimum Qualifications: Experience: At least five years of experience in Project Management or Operations Management. Education: Graduation from an accredited college or university with a Bachelor's degree in either Finance or a related field An equivalent combination of education and experience may be accepted. Low income residents in Montgomery County with the above qualifications are encouraged to apply. Knowledge Skills and Abilities: Knowledge and understanding of budget processes. Ability to identify and resolve issues. Ability to be responsible with confidential assignments, materials, and situations with discretion, tact, and diplomacy. Ability to work independently with broad guidance and to carry out continuing assignments requiring the organization of material and the preparation of reports. Demonstrated ability to research and compile reports and analyze information. Ability to prepare and present ideas in a clear and concise manner, both orally and in writing. Ability to coordinate work programs of committees and working groups within the Mortgage Finance Division. * Grade 27 - Min: $81,196 / Mid: $108,712 / Max: $136,229 | Salary determined by departmental budget - Offer commensurate with experience . HOC is an equal-opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. HOC promotes a drug-free workplace. HOC conducts criminal background checks, employment reference checks, and where applicable, reviews driving records in determining suitability for employment. Selected applicants will be required to submit to pre-employment drug and alcohol screening. Employment is contingent upon drug and alcohol test results.

Keywords: Housing Opportunity Com, Leesburg , Senior Financial Analyst (Mortgage Finance), Accounting, Auditing , Kensington, Virginia