• Job Description

  Req#: 5206612
  Salary : $83,556.00 - $134,086.00 Annually
  Location : 1401 Rockville Pike Rockville MD 20852 USA
  Job Type: Permanent
  Remote Employment: Flexible/Hybrid
  Job Number: 2026-00027
  Department: Department of Housing and Community Affairs
  Opening Date: 01/22/2026
  Closing Date: Continuous
  FLSA: Exempt
  
  About the Position
  Please note: The salary range above represents this position's earning potential. The anticipated hiring range for this position will be $83,556 to $129,470 based on the candidate's qualifications and experience.
  WHO WE ARE
  
  The Department of Housing and Community Affairs (DHCA) plans and implements activities that prevent and correct problems contributing to the physical decline of residential and commercial areas, ensures fair and equitable relations between landlords and tenants, increases the supply of affordable housing, and maintains existing housing in a safe and sanitary condition.
  
  WHO WE ARE LOOKING FOR
  
  We are excited to announce an opportunity to join our team as a Senior Planning Specialist, serving as a Loan Underwriter/Project Manager for our Multifamily Housing Programs. The Department of Housing and Community Affairs (DHCA) is dedicated to managing the County's investments in the production and preservation of affordable housing. We seek enthusiastic and skilled professionals to assist us in achieving our public policy goals and objectives.
  
  What You'll Be Doing
  The County's investments in affordable housing serve a diverse array of residents, including low- and moderate-income residents, individuals with special needs, veterans, senior citizens, and those experiencing homelessness.
  This position analyzes requests from affordable housing developers for County investment. It serves as a point of contact regarding specific program policies and procedures, resolves issues related to each project, and ensures the loan is closed in a timely manner. The candidate must understand the structures of affordable housing deals and the utilization of federal funds, including but not limited to the Federal HOME and Community Development Block Grant (CDBG) programs. This position occasionally requires participation in meetings and work assignments outside the office, attending evening meetings, and performing other duties as assigned.
  This position is responsible for the following, in no specific order of importance:
  
  
  • Managing all aspects of a project from inception to closing, including developing investment structures, negotiating and implementing financing plans/loans, preparing financial analyses of complex real estate transactions, and negotiating loan terms with public and private lenders.
  • Assisting and guiding the County Attorney's Office with the preparation and review of documents.
  • Working with the Department's Division of Finance and Administration on project financing and compliance issues.
  • Establishing good working relationships with financial partners.
  • Making regular presentations to the Housing Loan Review Committee.
  • Making public presentations to diverse audiences regarding the County's affordable housing investment.
  
  
  Minimum Qualifications
  Education: Graduation from an accredited college or university with a Bachelor's degree in business administration, finance, economics, accounting, real estate, urban planning, public administration, or related field.
  Experience: Five (5) years of professional experience with real estate lending, affordable housing finance, or community facility lending. Specific expertise includes, but is not limited to:
  
  • Knowledge and experience with fundamental concepts, principles, and practices of the real estate industry and investment analysis.
  • Experience in reviewing standard real estate documentation, including financial projections, loan documents, various legal memoranda, draw requests, rent rolls, and property financial statements.
  • Ability to serve as a functional technical expert in responding to inquiries and resolving system-related issues regarding the various tools used by the group and the Multifamily Housing Program.
  
  
  
  • Review market data, develop pro forma income statements/budgets, perform necessary credit analysis and due diligence, and review documents for new transactions.
  • Excellent analytical, writing, public speaking, and customer service skills.
  • Experience in underwriting real estate transactions, analyzing and preparing proformas, and closing loans for multifamily affordable housing transactions.
  • Experience in working with legal counsels in reviewing a variety of legal documentation for real estate loan transactions.
  • Experience in working with federal and state funding programs such as Community Development Block Grant (CDBG), HOME Investment Partnerships, etc., and other related housing programs.
  
  
  Equivalency: An equivalent combination of relevant education and experience may be substituted.
  License: Possession of a valid motor vehicle operator's license is required.
  
  Financial Disclosure: This role requires the completion of a financial disclosure.
  MEDICAL EXAM PROTOCOL: This position requires completion of a pre-employment Medical History Form to assess your ability to safely perform the essential duties of the role.
  Preferred Criteria, Interview Preferences
  We will use preferred criteria screening questions:
  Experience: Five (5) years of professional experience with real lending, affordable housing or community facility lending. Specific expertise includes, but is not limited to:
  
  • Knowledge and experience with fundamental concepts, principles, and practices of the real estate industry and investment analysis.
  • Experience in reviewing standard real estate documentation, including financial projections, loan documents, various legal memoranda, draw requests, rent rolls, and property financial statements.
  
  
  
  • Ability to serve as a functional technical expert in responding to inquiries and resolving system-related issues regarding the various tools used by the underwriting group and the Multifamily Housing Program.
  • Review market data, develop pro forma income statements/budgets, perform necessary credit analysis and due diligence, and review documents for new transactions.
  • Excellent analytical, writing, public speaking, and customer service skills.
  • Experience in underwriting real estate transactions, analyzing and preparing proformas, and closing loans for multifamily affordable housing transactions.
  • Experience in working with legal counsels in reviewing a variety of legal documentation for real estate loan transactions.
  • Experience in working with federal and state funding programs such as Community Development Block Grant (CDBG), HOME Investment Partnerships, etc., and other related housing programs.
  
  
  We will use interview preference criteria:
  
  • Experience in reviewing standard real estate documentation, including financial projections, loan documents, various legal memoranda, draw requests, rent rolls, and property financial statements.
  • Experience in underwriting real estate transactions, analyzing and preparing proformas, and closing loans for multifamily affordable housing transactions.
  • Experience in working with legal counsels in reviewing a variety of legal documentation for real estate loan transactions.
  • Experience in analyzing financial documentation and financial reports. Experience in working with federal and state funding programs such as Community Development Block Grant (CDBG), HOME Investment Partnerships, etc., and other related housing programs.
  
  If selected for consideration for this position, you may be required to provide evidence that you possess the knowledge, skills, and abilities indicated on your resume.
  IMPORTANT INFORMATION
  
  The Office of Human Resources (OHR) reviews the minimum qualifications of all applicants, irrespective of whether the candidate has previously been found to have met the minimum requirements for the job or been temporarily promoted to the same position. This evaluation is based solely on the information contained in the application/resume submitted for this specific position.
  
  Montgomery County Government(MCG) is an equal opportunity employer, committed to workforce diversity. Accordingly, as it relates to employment opportunities, the County will provide reasonable accommodations to applicants with disabilities, in accordance with the law. Applicants requiring reasonable accommodation for any part of the application and hiring process should email OHR at Hiring@montgomerycountymd.gov. Individual determinations on requests for reasonable accommodation will be made in accordance with all applicable laws.
  
  MCG also provides hiring preference to certain categories of veterans and veterans/persons with a disability. For more information and to claim employment preference, refer to the Careers webpage on Hiring Preference.
  
  All applicants will respond to a series of questions related to their education, relevant experience, knowledge, skills, and abilities required to minimally perform the job. The applicant's responses in conjunction with their resume and all other information provided in the employment application process will be evaluated to determine the minimum qualifications and preferred criteria or interview preference status. Based on the results, the highest qualified applicants will be placed on an Eligible List and may be considered for an interview. Employees meeting minimum qualifications who are the same grade will be placed on the Eligible List as a "Lateral Transfer" candidate and may be considered for an interview.
  
  This will establish an Eligible List that may be used to fill both current and future vacancies.
  
  If selected for consideration for this position, you may be required to provide evidence that you possess the knowledge, skills, and abilities indicated on your resume.
  
  Montgomery County Ethics Law: Except as provided by law or regulation, the County's "Public Employees" (which does not include employees of the Sheriff's office) are subject to the County's ethics law including the requirements to obtain advanced approval of any outside employment and the prohibitions on certain outside employment. The outside employment requirements of the ethics law can be found at 19A-12 of the County Code. Additional information about outside employment can be obtained from the Ethics Commission website.
  Leave Benefits
  
  Our generous leave package starts with non-MLS permanent and term employees earning 15 days of sick leave and 15 days of annual leave in their first year, as well as up to three additional personal days each calendar year. Positions in MLS earn 35 days of paid time off each year. In addition, we offer all employees 10 paid holidays. Our leave policies adhere to the Family Medical Leave Act of 1993, and we provide six weeks of paid parental leave for new parents.
  
  Retirement Benefits
  
  All permanent and term positions are eligible for robust retirement plans. Public safety positions are eligible for a defined benefit pension plan in which they are vested after only five years. Employees in non-public safety positions can participate in retirement plans that contribute up to 12 percent of their annual salary. All employees can also participate in a supplemental retirement plan, the 457 Deferred Compensation Plan, to contribute even more to their retirement goals.
  
  Tuition Assistance & Student Loan Forgiveness
  
  Montgomery County employees are eligible to participate in the Federal Public Service Loan Forgiveness Program. Participants who meet all requirements may qualify for forgiveness on the remaining balance on their Direct Loans after making 120 qualifying monthly payments under a qualifying repayment plan while working full-time in a qualifying public service position. To learn more about PSLF, please visit the Student Loan Repayment Benefits page. Our tuition assistance program allows you to receive up to $2,130 annually in tuition assistance to help you achieve a degree that supports your career path.
  
  Free Mass Transit Benefit
  
  County employees are entitled to use the RideOn Bus service for free with a valid County-employee ID. This benefit can be used any time of the day or evening, including weekends. We also offer a pre-tax flexible spending account to reduce the cost of other mass-transit options such as MARC trains and Metro.
  
  Reduced Child and Health Care Costs
  
  Working for Montgomery County also entitles permanent and term employees to participate in healthcare and childcare Flexible Spending Accounts. These plans allow eligible employees to save on a pretax basis for healthcare and dependent care costs incurred during the plan year.
  
  Employee Wellbeing
  
  We deeply care about your holistic wellness. Our award-winning wellness program, LiveWell, will support you in improving and maintaining your physical, mental, financial, social, and intellectual well-being.
  
  Learn more about our wonderful benefits available to you once you join our team. Montgomery County Benefits
  01
  
  MQ Question SENIOR PLANNING SPECIALIST (004402)
  
  What is your highest level of completed education?
  • N/A
  • High School/GED
  • Associate's Degree
  • Bachelor's Degree
  • Master's Degree
  • Juris Doctor
  • Doctorate
  
  02
  
  MQ Question SENIOR PLANNING SPECIALIST (004402)
  
  Do you have a degree in business administration, finance, economics, accounting, real estate, urban planning, public administration, or related field?
  • Yes
  • No
  
  03
  
  MQ Question SENIOR PLANNING SPECIALIST (004402)
  
  Do you possess and currently maintain a VALID driver's license from your state of residence?
  • Yes
  • No
  
  04
  
  MQ Question SENIOR PLANNING SPECIALIST (004402)
  
  How many years of experience do you have in real estate lending, affordable housing finance, or community facility lending?
  • No Experience
  • 1-2 Year's Experience
  • 3 Year's Experience
  • 4 Year's Experience
  • 5 Year's Experience
  • 6 Year's Experience
  • 7 Year's Experience
  • 8 Year's Experience
  • 9+ Year's Experience
  
  05
  
  Do you have experience working with federal and state funding programs such as CDBG, HOME Investment Partnerships, or other related housing programs?
  • Yes
  • No
  
  06
  
  Please explain your experience working with federal and state funding programs such as CDBG, HOME Investment Partnerships, or other related housing programs. If you do not have related experience, please enter N/A in the box. If you answer Yes, please refer to the section of your resume where you have performed similar tasks.
  07
  
  Have you worked with legal counsel to review a variety of legal documentation for real estate loan transactions?
  • Yes
  • No
  
  08
  
  Please explain your experience working with legal counsel to review a variety of legal documentation for real estate loan transactions. If you do not have related experience, please enter N/A in the box. If you answer Yes, please refer to the section of your resume where you have performed similar tasks.
  09
  
  Do you have experience reviewing market data, developing pro-forma income statements and budgets, performing credit analysis and due diligence, and reviewing documents for new transactions?
  • Yes
  • No
  
  10
  
  Please explain your experience reviewing market data, developing pro-forma income statements and budgets, performing credit analysis and due diligence, and reviewing documents for new transactions. If you do not have related experience, please enter N/A in the box. If you answer Yes, please refer to the section of your resume where you have performed similar tasks.
  11
  
  Have you reviewed standard real estate documentation, including financial projections, loan documents, legal memoranda, draw requests, rent rolls, and property financial statements?
  • Yes
  • No
  
  12
  
  Please explain your experience reviewing standard real estate documentation, including financial projections, loan documents, legal memoranda, draw requests, rent rolls, and property financial statements. If you do not have related experience, please enter N/A in the box. If you answer Yes, please refer to the section of your resume where you have performed similar tasks.
  Required Question

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