HF Loan Analyst II
Summary
Reviews and ensures compliance of mortgage loans (CHFA programs, MCC eligibility, and purchases) against regulatory guidelines (Fannie Mae, Freddie Mac, IRS). Evaluates loan documents, resolves issues, and collaborates with lenders and internal teams to maintain smooth loan operations.
chfa job description
positionHome Finance Loan Analyst II |
classificationNon – Exempt |
division/departmentHome Finance, Loan Operations |
locationDenver, Colorado |
position typeFull-time |
hiring range$66,000 - $80,000 |
nature of position
This position is responsible for completing loan-level reviews for CHFA Program Compliance, Mortgage Credit Certificate Eligibility, and Loan purchase, ensuring adherence to applicable Insurer/Guarantor, Fannie Mae, Freddie Mac, IRS Tax Code, and CHFA programmatic guidelines. This position reports to the Loan Operations Team Lead.
core desired skills
- Analytical Thinking and Problem Solving
- Mortgage and Regulatory Knowledge
- Attention to Detail and Accuracy
- Organization and Time Management
- Customer Service and Relationship Building
- Communication and Collaboration
essential functions
- Support the operation and production activities of CHFA’s participating lenders, from reservation through loan purchase
- Perform daily CHFA Program Compliance, MCC and loan purchase review functions to ensure applicable guidelines are met
- Meet production and loan cycle time goals in all phases of loan production as established by the HF Loan Operations Manager and/or Director of Home Finance
- Ability to complete a high volume of production while maintaining a high level of accuracy at all phases of the loan process
- Ability to understand and interpret all applicable underwriting regulations, mortgage insurance and guarantee requirements and IRS Tax Code requirements
- Understand what corrective actions are necessary at various stages of the loan process and resolve as necessary
- Evaluate critical loan documents and understand the risk associated with each documents
- Provide an accurate, detailed account of all activities related to a specific loan file with follow-up dates using conversation logs and automated workflow tool
- Establish and maintain strong relationships with Participating Lenders.
- Communicate with the Business Development Operations Specialist and the HF Business Development Team through a feedback loop to support Home Finance marketing and training efforts
- Work collaboratively with the Funding / Final Document, Secondary Marketing, Loan Servicing Oversight departments to ensure a smooth and timely transition from Loan Operations
- Conduct regular reviews of the Seller’s Guide and Loan Operations Desktop Procedure Manual to ensure currentand accurate information. Recommend revisions as necessary
- Identify process improvements on an on-going basis
- Act as Subject Matter Expert in all phases of Loan Operations
- Assist HF Loan Operations Team Lead and/or Loan Operations Manager, with special projects as necessary
knowledge, skills, and ability
Must possess:
- Ability to interpret and apply complicated IRS Tax Code regulations
- Must demonstrate thorough understanding of the mortgage origination and purchase process, including FHA, VA, USDA, Fannie Mae and Freddie Mac regulations
- Proven analytical skills
- Ability to utilize technology for research, such as FHA Connection, ALLREGS, and other industry resources
- Strong ethical decision-making skills
- Excellent organizational, problem-solving, and analytical skills with the ability to work independently
- Ability to accurately work in a fast-paced environment within tight deadlines
- Strong interpersonal and organizational skills
- Knowledge of MS Outlook, Excel, Word, and PowerPoint
- Ability to communicate, both orally and in writing, in an effective and diplomatic manner
- Professional phone manner is essential with an emphasis on providing customer service
Abilities that reflect our values:
- Ability to continuously improve and develop knowledge and skills, while adapting quickly to changing circumstances and processes
- Ability to work towards inclusion in all activities and decisions through the solicitation and appreciation of diverse perspectives
- Ability to exercise personal accountability in all activities and decisions
- Ability to embrace a culture of operational excellence to ensure processes are continually evaluated and improved as necessary
- Ability to operate with a sense of integrity
- Ability to have fun with a demonstrated sense of humor
- Ability to establish rapport with people of diverse ethnic, racial, and cultural backgrounds
experience/education
Associate’s Degree in a business-related field or equivalent job experience in the mortgage industry is required; Bachelor’s Degree in business, accounting, or finance preferred. Mortgage Industry training; i.e., MBA, CMLA, or APMW a plus. Minimum of five years in mortgage loan origination, underwriting, processing, or closing is desired. Title company experience is helpful.
equipment used
Personal computer, Smartphone, computer printer equipment, calculator
work environment
The incumbent in this position will perform the essential functions of the position primarily in an office/hybrid environment, which requires sitting at a desk most of the day, with or without accommodation. This position requires moderate to high levels of interaction and collaboration with others.
validation statement
This job description is a general description of essential job functions. It is not intended as an employment contract, nor is it intended to describe all duties someone in this position may perform. This position requires moderate levels of interaction and collaboration with others.
salary range
$66,000 - $80,000 + annual bonuses
benefit information
- Comprehensive medical, dental, and vision insurance plans, with competitive rates
- Generous Paid Time Off, including paid volunteer time, and leave programs
- Please visit our benefits page for additional information, www.chfainfo.com/careers/compensation
how to apply
- External candidates: Please apply online at > Careers Tab
All applications are strongly encouraged before September 18, 2026. This posting is expected to remain open until the position is filled.
With respect to its programs, services, activities, and employment practices, Colorado Housing and Finance Authority prohibits unlawful discrimination against applicants or employees on the basis of age 40 years and over, race, sex, sexual orientation, gender identity, gender expression, color, creed, religion, national origin, ancestry, disability, military status, genetic information, marital status or any other status protected by applicable federal, state or local law. Requests for reasonable accommodation, the provision of auxiliary aids, or any complaints alleging violation of this nondiscrimination policy should be directed to the Nondiscrimination Coordinator, 1.800.877.2432, TDD/TTY 800.659.2656; CHFA, 1981 Blake Street, Denver, Colorado 80202-1272; chfainfo.com/nondiscrimination, available weekdays 8:00am to 5:00pm.
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