Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
CANDY MARCIAL

CANDY MARCIAL

Louisville,KY

Summary

Dedicated and results-driven professional with a distinguished background as a former Judge of First Instance. Combining a strong foundation in the legal realm with a commitment to community development and financial expertise. Successfully managed court operations, built Community Development Programs, originated mortgage loans, and maintained strategic partnerships, while ensuring compliance with regulatory and legal requirements. Fluent in both English and Spanish.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Community Development Lending Mortgage Loan Originator

Cadence Bank
11.2022 - Current
  • Responsible for developing and maintaining strategic community partnerships and growing and developing homeownership opportunities for low-to-moderate income (LMI) individuals, families and communities.
  • Market expert and originator of mortgage loans meeting regulatory, investor and bank portfolio guidelines; including but not limited to Community Reinvestment Act, FNMA, FHLMC, FHA, VA, local state housing programs, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate, finance laws.
  • Originated 112 leads for loan applications and advised each customer on mortgage loans that were appropriate for their individual financial circumstances; after interviewing, and collecting financial data and documents.
  • Funded >$2.5M in mortgage loans in 2023, complying with all Federal Regulations and Bank Policies.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Expedited loans in process by regularly reviewing pipeline, following up on documentation with borrowers, interacting with title and insurance companies, realtors, appraisers, attorneys, etc.
  • Worked closely with loan processor and underwriter to gather necessary documents from customers and address any underwriting issues in preparation for closing.
  • Conducted >10 business development call or appointments per week to develop and maintain strategic community relationships, tracking the data in the CRM system to report out to leadership.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Conducted 5 Homebuyers Education Workshops with local community partners and affordable housing partners, to support Fair Lending and Community Reinvestment Act (CRA).
  • Represented bank in public relations activities and community affairs.
  • Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
  • Maintained registration with NMLS (Nationwide Mortgage Licensing System and Registry)
  • Volunteered as Committee Member for National Association of Hispanic Real Estate Professionals (NAHREP) Tampa Bay Chapter.

HUD Certified Housing Counselor

Hispanic Interest Coalition Of Alabama
08.2019 - 10.2022
  • Developed and implemented enhanced Housing Counseling and Financial Literacy program for organization, incorporating nationally adopted operating and performance guidelines, and federal requirements set by HUD.
  • Created and implemented previously nonexistent housing counseling work plan, interest policy and procedures, and disclosure to participants (HUD), ensuring accuracy and compliance with HUD and National Industry Standards for Homeownership Education and Counseling.
  • Directed organization through complex process of applying for/obtaining certification as Housing Counseling Agency.
  • Managed day-to-day operations of housing counseling program, including one-on-one sessions and workshops on pre- purchase home buying, rental assistance, fair housing, and post-purchase non-delinquency process.
  • Identified and developed program-specific outcomes to ensure program effectiveness and impact and reported outcomes to funders and key stakeholders.
  • Delivered comprehensive and culturally competent one-on-one counseling services to 558 families regarding financial literacy, home buying, post-purchase, rental, and fair housing.
  • Developed, coordinated, and facilitated Homebuyers. Education, Financial Literacy, Tenancy Rights, and Fair Housing classes and workshops for >2.4K participants, in person and online.
  • Developed and maintained working relationships with program funders, partners, employers, institutions, and other organizations to meet participant/community needs and ensure program success.
  • Utilized client management system (CMS) timely and electively to track, maintain, and report program data.

Victim and Family Advocate

Hispanic Interest Coalition Of Alabama
10.2018 - 08.2019
  • Provided comprehensive guidance, support, information, and crisis counseling to victims of crime.
  • Assisted victims in prosecuting perpetrators in criminal court, filing and following-up on Protection from Abuse orders, and applying for U Visa and VAWA.
  • Managed heavy caseload using well-developed time management, organizational and task prioritization skills.
  • Provided court accompaniment for emotional support.
  • Participated in agency-sponsored and external training on victimization issues.
  • Attended community events, meetings, and provided. presentations to improve collaboration with law enforcement agencies and other service providers.
  • Conducted thorough assessments for all callers, with particular focus on ascertaining safety of victims and respective children, offering crisis intervention, safety planning, support group, and emergency assistance.
  • Provided comprehensive and culturally competent advocacy and case management to 27 victims of crime.
  • Trained >80 members of Jefferson County Sheriff Offic on improving services and breaking barriers, while working with Hispanic/Latin families in Alabama.
  • Delivered comprehensive and culturally competent training on human trafficking to Jefferson County Department of Health Staff, Birmingham Junior League, and other stakeholders.

Judge of First Instance

Judicial Branch Of The Dominican Republic
04.2014 - 05.2018
  • Presided over civil and commercial trials, arraignments, and hearings; and applied law in overseeing legal process in cases related to contract law, debts, liens, foreclosure, torts, and bankruptcy.
  • Achieved resolution of >4K cases filed in court, writing judgments based on relevant laws and regulations for each one.
  • Eliminated court backlog by rendering decision on 66 cases pending; completing within one month and remaining as the only court of the National District without backlog for 4-year tenure.
  • Specially appointed by law as first Bankruptcy Court of Dominican Republic, in addition to regular duties.
  • Reviewed pleadings, motions and evidence to assess admissibility and relevance to case.
  • Met with litigants' legal counsel to discuss and decide on objections, pretrial motions, discovery issues and evidence.
  • Heard oral debate and testimony before court to establish case facts and litigants' arguments.
  • Supported compliance with rules of civil procedure from attorneys and litigants.
  • Determined if evidence presented supported claims, or dispute.
  • Decided if procedure was conducted according to rules and due process of law.
  • Determined proper sentencing, monetary fees and damages to be paid on basis of case facts and established guidelines.
  • Heard appeals of Justice of Peace on certain cases, as authorized by Dominican Statutes.
  • Performed all other judicial duties and responsibilities as conferred by law.
  • Managed and oversaw court personnel (22 employees)

Justice of the Peace

Judicial Branch Of The Dominican Republic
06.2010 - 04.2014
  • Presided over trials, arraignments, and hearings; and applied law in overseeing legal process in cases related to minor debts, eviction, child support, and minor criminal offenses.
  • Achieved resolution of >2K cases filed in court, writing judgments based on relevant laws and regulations for each one.
  • Reviewed pleadings, motions and evidence to assess admissibility and relevance to case.
  • Met with litigants' legal counsel to discuss and decide on objections, pretrial motions, discovery issues and evidence.
  • Reviewed legal documents and memos to make determinations on pre-trial issues, motions and final rulings.
  • Heard oral debate and testimony before court to establish case facts and litigants' arguments.
  • Monitored court proceedings for adherence to legal procedures and rules by attorneys and litigants.
  • Determined proper sentencing, monetary fees and damages to be paid on basis of case facts and established guidelines.
  • Prepared written opinions to defend rationale of rulings and inform public of ruling arising from case.
  • Performed all other judicial duties and responsibilities as conferred by law.
  • Specially appointed as Judge Substitute for Civil and Commercial Chamber of First Instance for National District.
  • Managed and supervised court personnel (9 employees).

Education

LLM for Foreign-Trained Lawyers - Law

Temple University
Philadelphia, PA
05.2018

Law Master’s Degree - Civil Procedure

Ponficia Universidad Católica Madre Maestra Santo Domingo
Santo Domingo, D. R.
09.2016

Bachelor of Law - Law

Ponficia Universidad Católica Madre Y Maestra Santo Domingo
Santo Domingo, D. R.
09.2005

Skills

  • Mortgages
  • Community Reinvestment Act (CRA)
  • Regulatory Compliance
  • Anti-Money Laundering
  • Credit Analysis
  • Property Law
  • Housing Law
  • Legal Proceedings
  • Government Standards
  • Diversity Awareness
  • Resolving Disputes
  • Complex Problem-Solving
  • Legal Document Review

Certification

HUD-Certified Housing Counselor

Languages

Spanish
Native or Bilingual

Timeline

Community Development Lending Mortgage Loan Originator

Cadence Bank
11.2022 - Current

HUD Certified Housing Counselor

Hispanic Interest Coalition Of Alabama
08.2019 - 10.2022

Victim and Family Advocate

Hispanic Interest Coalition Of Alabama
10.2018 - 08.2019

Judge of First Instance

Judicial Branch Of The Dominican Republic
04.2014 - 05.2018

Justice of the Peace

Judicial Branch Of The Dominican Republic
06.2010 - 04.2014

LLM for Foreign-Trained Lawyers - Law

Temple University

Law Master’s Degree - Civil Procedure

Ponficia Universidad Católica Madre Maestra Santo Domingo

Bachelor of Law - Law

Ponficia Universidad Católica Madre Y Maestra Santo Domingo

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