3 Bread Financial Underwriter Jobs Hiring Near You

Under direction of the Housing Finance Officer (R), the Housing Finance Specialist is responsible for assisting in Multifamily Loan Production and independently performs technical and analytical work necessary to facilitate a larger number of loan closings on multifamily rental projects.
Next cut off date for job application review: 7/10 /2026
To be considered for this position, candidates must meet the minimum qualifications listed below and take the Housing Finance Specialist (Rental) examination (EX-4329) .
Minimum Qualifications
(Requirements for admittance into the exam)
Either I
One year of experience in the mortgage operations of the California Housing Finance Agency at a level of responsibility equivalent to that of a Housing Finance Associate.
Or II
Experience: Three years of experience performing technical work in the field of mortgage underwriting which must have included underwriting for multiunit projects (at least 100 units). (A Master's Degree in Planning, Economics, Business, Government, Finance or a related field may be substituted for one year of the required experience.) and
Education: Equivalent to graduation from college, preferably in planning, economics, business, government, finance or a related field. (Additional qualifying experience may be substituted for the required education on the basis of one year of experience equals two years of college.)
Working Conditions
Hybrid telework schedules are available. The amount of telework is at CalHFA's discretion and is based on operation needs. IN-PERSON ATTENDANCE WILL BE REQUIRED WEEKLY.
Our office is in 500 Capitol Mall , a high-rise building conveniently located in downtown Sacramento with access to public transportation (light rail and bus) and freeways (I-5, 99, and Business 80). It is one block from Downtown Commons (DOCO), the Golden 1 Center, and many restaurants. Employees also have access to an ATM, Panera Bread, bike lockers, and a gym, all located in the building.
Candidates who are new to state service will be placed at the minimum of the salary range.
Please let us know how you learned about this career opportunity by taking a brief survey.
https://www.surveymonkey.com/r/P385VM7
Minimum Requirements You will find the Minimum Requirements in the Class Specification.

• HOUSING FINANCE SPECIALIST (RENTAL)

Additional Documents

• Job Application Package Checklist

Position Details Job Code #:
JC-495162
Position #(s):
693-896-5141-XXX
Working Title:
Underwriting Specialist
Classification:
HOUSING FINANCE SPECIALIST (RENTAL) $6,623.00 - $8,290.00
New to State candidates will be hired into the minimum salary of the classification or minimum of alternate range when applicable.
# of Positions:
1
Work Location:
Sacramento County
Telework:
Hybrid
Job Type:
Permanent, Full Time
Work Week:
Monday-Friday
Department Information California Housing Finance Agency
CalHFA has held its certification as a Great Place To Work® since 2021. Join us in helping more Californians to have a place to call home.
Multifamily Programs Division:
The Multifamily Programs Division is responsible for the financing and ongoing management of California Housing Finance Agency's (CalHFA) Multifamily lending portfolio and subsidy programs. The division is comprised of two sections Multifamily Lending and Asset Management. The Asset Management Division oversees the Agency's portfolio of multifamily loans, including financial reviews, physical inspections, monitoring for compliance with regulatory agreements, and administering rental and operating subsidies
OUR VISION:
All Californians living in homes they can afford.
OUR MISSION:
Investing in diverse communities with financing programs that help more Californians have a place to call home.
Established in 1975, CalHFA was chartered as the state's affordable housing lender. Our Agency's Multifamily Division finances the development of affordable rental and our Single Family Division provides down payment assistance to low and moderate income first-time homebuyers. CalHFA is a completely self-supporting state agency that does not rely on taxpayer dollars for its operation costs, but regularly administers various state and federal resources on behalf of the state.
At CalHFA, we embrace a culture that is diverse, equitable, and inclusive for everyone by building an organization that is as diverse as the communities we serve. CalHFA believes that diversity provides a competitive advantage, strengthens our innovative capacity, and enhances our ability to succeed and grow.
Department Website: https://www.calhfa.ca.gov
Special Requirements The Employment History section on the Examination/Employment Application (STD 678) must be complete and include accurate dates, hours per week, total time worked, duties performed, and contact names and phone numbers of supervisors. Resumes or other documents DO NOT substitute the STD 678. Applicants who fail to submit a thoroughly completed STD 678 may be disqualified. Only the most qualified applicants will be invited to an interview.
Use these links to review the State Application Checklist and SOQ checklist to help you understand how to complete a strong state application and address some frequently asked questions.
Application Instructions
Dates printed on Mobile Bar Codes, such as the Quick Response (QR) Codes available at the USPS, are not considered Postmark dates for the purpose of determining timely filing of an application.
Final Filing Date: Until Filled
Who May Apply
Individuals who are currently in the classification, eligible for lateral transfer, eligible for reinstatement, have list or LEAP eligibility, are in the process of obtaining list eligibility, or have SROA and/or Surplus eligibility (please attach your letter, if available). SROA and Surplus candidates are given priority; therefore, individuals with other eligibility may be considered in the event no SROA or Surplus candidates apply. Applications will be screened and only the most qualified applicants will be selected to move forward in the selection process. Applicants must meet the Minimum Qualifications stated in the Classification Specification(s).
How To Apply
Complete Application Packages (including your Examination/Employment Application (STD 678) and applicable or required documents) must be submitted to apply for this Job Posting. Application Packages may be submitted electronically through your CalCareer Account at www.CalCareers.ca.gov. When submitting your application in hard copy, a completed copy of the Application Package listing must be included. If you choose to not apply electronically, a hard copy application package may be submitted through an alternative method listed below:
Address for Mailing Application Packages
You may submit your application and any applicable or required documents to:
CA Housing Finance Agency
Aina Macapagal
Attn: Human Resources
500 Capitol Mall
Sacramento , CA 95814
Address for Drop-Off Application Packages
You may drop off your application and any applicable or required documents at:
CA Housing Finance Agency
Aina Macapagal
Human Resources
500 Capitol Mall
Sacramento , CA 95814
08:00 AM - 04:30 PM
Required Application Package Documents
The following items are required to be submitted with your application. Applicants who do not submit the required items timely may not be considered for this job:

• Current version of the State Examination/Employment Application STD Form 678 (when not applying electronically), or the Electronic State Employment Application through your Applicant Account at www.CalCareers.ca.gov. All Experience and Education relating to the Minimum Qualifications listed on the Classification Specification should be included to demonstrate how you meet the Minimum Qualifications for the position.
• Resume is optional. It may be included, but is not required.
• Supplemental Application - A response to the highlighted question below is required to be considered for this position. Failure to follow all instructions and provide a relevant response to the question below may disqualify an applicant from consideration . Resumes, cover letters, or general statements will not be accepted in place of the required response.
  Your Supplemental Application must:
  - Be in 12-point Times New Roman font, single-spaced
  - Be one (1) page in length
  - Include the highlighted question above your response
  Please describe how you prepared for the Housing Finance Specialist (Rental) exam.
• Other - Housing Finance Specialist (Rental) Examination
  To be considered for this job, you must establish list eligibility by completing and passing the examination for the Housing Finance Specialist (Rental) classification. Candidates must be reachable on the eligible list before they can be considered for this position. Please use the link above to review the exam bulletin and apply to take the exam.
  Once you finish reviewing and applying for the exam, you may Bypass this item to move forward with your application by selecting Choose/Upload> Bypass File.

Applicants requiring reasonable accommodations for the hiring interview process must request the necessary accommodations if scheduled for a hiring interview. The request should be made at the time of contact to schedule the interview. Questions regarding reasonable accommodations may be directed to the EEO contact listed on this job posting.
Benefits Benefit information can be found on the CalHR website and the CalPERS website.
Contact Information
The Human Resources Contact is available to answer questions regarding the position or application process.
Department Website: https://www.calhfa.ca.gov
Human Resources Contact:
Aina Macapagal
(916) 326-8015
aina.macapagal@calhfa.ca.gov
Please direct requests for Reasonable Accommodations to the interview scheduler at the time the interview is being scheduled. You may direct any additional questions regarding Reasonable Accommodations or Equal Employment Opportunity for this position(s) to the Department's EEO Office.
EEO Contact:
Jennifer LeBoeuf
(916) 326-8075
Jennifer.Leboeuf@calhfa.ca.gov
California Relay Service: 1-800-735-2929 (TTY), 1-800-735-2922 (Voice) TTY is a Telecommunications Device for the Deaf, and is reachable only from phones equipped with a TTY Device.
Equal Opportunity Employer
The State of California is an equal opportunity employer to all, regardless of age, ancestry, color, disability (mental and physical), exercising the right to family care and medical leave, gender, gender expression, gender identity, genetic information, marital status, medical condition, military or veteran status, national origin, political affiliation, race, religious creed, sex (includes pregnancy, childbirth, breastfeeding and related medical conditions), and sexual orientation.
It is an objective of the State of California to achieve a drug-free work place. Any applicant for state employment will be expected to behave in accordance with this objective because the use of illegal drugs is inconsistent with the law of the State, the rules governing Civil Service, and the special trust placed in public servants.