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About the Role

The Bay Area Housing Finance Authority (BAHFA) is seeking a Principal Housing Finance Manager to lead affordable housing lending initiatives. This role involves originating, underwriting, structuring, and closing loans, as well as growing and managing a portfolio to advance affordable housing solutions across the Bay Area.

Responsibilities

Lead the full transaction life cycle for the Regional Mixed Finance Fund, from origination to project evaluation through underwriting, approval, negotiation, loan closing, and construction and conversion oversight, in coordination with BAHFA’s CDFI lending partner.
Structure creative, layered financing for acquisition, rehabilitation, preservation, and new construction, including subordinate debt, tax-exempt bond and tax credit transactions, and state and federal funding.
Negotiate loan terms, intercreditor and subordination agreements, and closing documents with developers, co-lenders, investors, and counsel.
Present credit recommendations to leadership, loan committees, and Commissioners, translating complex analysis into clear, defensible decisions.
Lead implementation and growth of BAHFA’s financing products, including the Priority Sites and Preservation Loan, and various other funding products funded by state and federal funds.
Monitor portfolio performance, manage asset and credit risk, address troubled loans, and recommend refinements that strengthen long-term sustainability.
Evaluate and launch new financing tools, products, and partnerships to broaden BAHFA’s reach and attract additional capital, as needed.
Develop underwriting standards, credit policies, evaluation frameworks, procedures, and internal controls that support transparent, scalable lending.
Create tools for tracking pipeline, program outcomes, financial performance, and compliance, and establish key performance indicators and reporting that support accountability.
Supervise, mentor, and develop staff in a collaborative, high-performing, mission-driven team culture.
Lead complex, multi-year projects involving multiple stakeholders, consultants, jurisdictions, and funding partners.
Represent BAHFA with local governments, affordable housing developers, nonprofits, lenders, funders, and community stakeholders, and other regional partners.
Translate complex affordable housing finance concepts into clear, accessible information for decisionmakers and public audiences.
Serve as a trusted advisor on affordable housing finance and program strategy.

Requirements

Equivalent to a bachelor’s degree from an accredited college or university with major coursework in planning, civil engineering, environmental science, business or public administration, or a related field, and seven (7) years of increasingly responsible professional experience administering programs in a field related to assignment area.
Seven (7) or more years of progressively responsible experience in affordable housing finance, with direct, hands-on responsibility for originating, underwriting, structuring, and closing a substantial volume of complex transactions.
Deep knowledge of public and private financing sources, including tax-exempt bonds, 4% and 9% tax credits, subordinate and soft debt, public funding programs, acquisition and rehabilitation financing, and mixed-income development.
Demonstrated ability to evaluate complex development proformas, financial models, and project cash flows, and to identify, price, and mitigate risk.
Ability to present and defend credit recommendations to elected officials, commissions, executives, and non-technical audiences.
Experience originating and growing a pipeline or loan portfolio, with documented increases in volume, deployment, or units financed.
Experience managing a loan portfolio, including monitoring, workouts, and restructurings.
Knowledge of California affordable housing funding programs and financing tools.
Experience developing new programs, credit policies, or operating frameworks, ideally at a CDFI, public lender, housing finance agency, or community development bank.
Experience supervising, mentoring, or developing staff.
Familiarity with Bay Area housing systems, jurisdictions, and developers.
Commitment to advancing housing affordability, equity, and opportunity throughout the region.
A resume is required with your application.

Skills

Affordable housing finance
Transaction origination
Underwriting
Structuring
Closing loans
Portfolio management
Credit policy development
Pipeline management
Relationship building
Communication
Problem-solving
Financial analysis
Capital stack expertise
Negotiation
Mentoring staff

Location

Bay Area

Work Type

Hybrid
Term-limited

Experience Level

Seven (7) or more years of progressively responsible experience in affordable housing finance

Education Level

Bachelor’s degree from an accredited college or university with major coursework in planning, civil engineering, environmental science, business or public administration, or a related field

About the Company

The Bay Area Housing Finance Authority (BAHFA) is moving from start-up to becoming a long-term regional institution.
With a newly adopted strategic plan and major financing initiatives launching, BAHFA is building the capacity to advance transformative affordable housing solutions across the nine-county Bay Area.
The Metropolitan Transportation Commission (MTC) is the transportation planning, financing, and coordinating agency for the nine-county San Francisco Bay Area.
MTC is the federally designated Metropolitan Planning Organization (MPO) and the state designated Regional Transportation Planning Agency (RTPA) for the nine-county San Francisco Bay Area.
MTC provides services to the Association of Bay Governments (ABAG).

Equal Opportunity

The Metropolitan Transportation Commission is an equal-opportunity, non-discriminatory employer.
MTC provides all employees and applicants with an equal opportunity in every aspect of the employment experience regardless of race, color, religion, sex, sexual orientation, gender identity, age, national origin, physical handicap, medical condition or marital status.