Roxanna Marin
Dallas,TX
Summary
An accomplished and highly professional Senior Affordable Housing Analyst with a robust background in financial analysis, underwriting, and business development within the affordable housing sector. I am deeply committed to excellence, known for my meticulous attention to detail, exceptional problem-solving abilities, and a strong ethical compass that guides my work. Fluent in both English and Spanish, I bring a unique blend of leadership, and interpersonal skills, enabling me to navigate complex projects and collaborate effectively with diverse stakeholders. My expertise extends to evaluating complex projects, ensuring regulatory compliance, and providing expert technical assistance, all while fostering environments where teamwork thrives, and solutions are crafted with both precision and compassion. I aim to leverage my skills to contribute to the success of a forward-thinking organization that values integrity, innovation, empathy, and a dedication to making a meaningful impact in the community.
Overview
16
16
years of professional experience
Work History
Senior Affordable Housing Analyst
Federal Home Loan Bank of Dallas
2023.12 - Current
- Evaluate and underwrite Affordable Housing Program (AHP) applications, ensuring alignment with selection criteria and strict compliance with program regulations.
- Review, analyze, and process grant fund requests, making informed recommendations to management for approval.
- Conduct thorough compliance reviews of Affordable Housing Projects, with a focus on income targeting and rent regulations.
- Analyze complex disbursement requests for multifamily rental projects, determining viability, and providing detailed status updates and recommendations to stakeholders.
- Monitor project progress and communicate updates to management, ensuring successful project completion within regulatory guidelines.
- Developed comprehensive training materials for new analysts, improving onboarding efficiency..
- Managed multiple projects simultaneously while adhering to strict deadlines and quality standards.
- Contribute to the development of policies and programs by maintaining up-to-date knowledge of housing programs and participating in system testing and compliance activities.
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Provide operational support to enhance the overall effectiveness of the Affordable Housing Program.
Affordable Housing Senior Analyst
Walker & Dunlop
2022.04 - 2023.06
- Conducted detailed analyses of annual operating budgets and property-level business plans, identifying key insights for strategic decision-making.
- Reviewed monthly financial and operating reports to assess property and portfolio performance, ensuring alignment with budgets and business objectives.
- Monitored market and economic conditions, analyzing trends and their impact on portfolio performance to inform strategy.
- Prepared comprehensive reports and presentations on property and portfolio performance relative to budget, benchmarks, and market conditions.
- Analyzed third-party reports in line with company guidelines, ensuring compliance and accuracy in assessments.
- Developed and implemented underwriting templates and matrices, standardizing the underwriting process and enhancing efficiency.
- Conducted property inspections following Fannie Mae and Freddie Mac guidelines, ensuring compliance with regulatory standards.
Multifamily Underwriter
PNC Bank
2016.06 - 2022.04
- Prepared and evaluated loan offerings, with a focus on assessing risk factors such as loan-to-value, collateral, guarantor strength, debt service coverage, and net operating income (NOI).
- Analyzed third-party appraisals, environmental reports, market research, sponsor financials, and ownership structures to assess the strength and viability of deals.
- Managed additional responsibilities through various promotions, progressing from Universal Banker to Multifamily Underwriter, reflecting strong performance and leadership.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Licensed Personal Banker/Business Specialist
Wells Fargo
2012.03 - 2016.05
- Advised high-net-worth individuals and corporate clients on investment opportunities, conducting risk analysis, and maximizing returns.
- Directed daily operations of retail bank branches, overseeing sales, business development, customer service, and credit analysis.
- Promoted through successive roles, from Bank Teller to Personal Banker/Business Specialist, demonstrating consistent excellence in service and leadership.
- Implemented effective referral strategies to establish relationships with potential customers and boost branch growth.
- Ensured a secure environment for sensitive information by strictly adhering to data protection policies and regulations.
- Exceeded performance metrics consistently throughout tenure as Licensed Personal Banker through diligent work and commitment to customer satisfaction.
Customer Service Representative Manager
Auto Partners
2008.06 - 2011.05
- Oversaw office staff, trained new employees on company policies, and ensured compliance with contract standards and operational procedures.
- Improved customer satisfaction by addressing and resolving complex issues promptly and professionally.
- Established strong relationships with clients, promoting trust and loyalty in our brand.
- compliance with contract standards and operational procedures.
- Managed profitability and client base growth, achieving a 20% increase in market share through strategic planning and effective customer service.
- Promoted from Customer Service Representative to Manager, demonstrating strong leadership and a commitment to operational excellence.
- Enhanced team productivity by implementing effective training programs tailored to individual needs.
Education
Master of Social Work -
Grand Canyon University
Phoenix, AZ05.2026
Bachelor of Arts in International Business, Minor in Marketing - Minor in Marketing
University of Arizona
Tucson, AZ12.2019
Skills
- Business Analysis and Development
- Cash Flow and Financial Analysis
- Multifamily Underwriting
- Debt-to-Income Ratio Management
- Lending and Underwriting Guidelines
- Organizational, Analytical, and Time Management Skills
- MBA Certification with Fannie Mae
- Proficient in Content Editing Software
- Leadership in Team Development and Collaboration
- Fluent in English and Spanish (Written and Spoken)
- Strong Written and Verbal Communication Skills
- Team Collaboration and Leadership
- Documentation And Reporting
- MS Excel
- Analytical Thinking
- Excel proficiency
- Information Gathering
- Data Research and Validation
- Process Improvements
- Continuous Improvement
- Risk Analysis
- Report Preparation
- Workflow Analysis
- Compliance Analysis
- Strategic Planning
- Issue Identification
- Budget Forecasting
- Budget Development
- Time Management
- Attention to Detail
Summaryobjective
An accomplished and highly professional Senior Affordable Housing Analyst with a robust background in financial analysis, underwriting, and business development within the affordable housing sector. I am deeply committed to excellence, known for my meticulous attention to detail, exceptional problem-solving abilities, and a strong ethical compass that guides my work. Fluent in both English and Spanish, I bring a unique blend of technical expertise, leadership, and interpersonal skills, enabling me to navigate complex projects and collaborate effectively with diverse stakeholders. My expertise extends to evaluating complex projects, ensuring regulatory compliance, and providing expert technical assistance, all while fostering environments where teamwork thrives, and solutions are crafted with both precision and compassion. I aim to leverage my skills to contribute to the success of a forward-thinking organization that values integrity, innovation, empathy, and a dedication to making a meaningful impact in the community.
Volunteer Experience
- Battered Women’s Program, Palm Beach County, Provided compassionate support and advocacy for women impacted by domestic violence, empowering them to rebuild their lives with a focus on regaining independence, security, and self-confidence. Played a key role in guiding participants through critical transitions, offering both emotional and practical assistance.
- “Read with Children” Program, Palm Beach County, Actively engaged in literacy initiatives aimed at fostering a love for reading among children. Contributed to their academic growth and emotional development by creating a positive, supportive learning environment, encouraging curiosity, and enhancing their reading skills.
- Habitat for Humanity, Contributed to the construction of safe, affordable homes for low-income families, reflecting a strong commitment to community service. Helped improve the living conditions of underserved populations, reinforcing the belief that everyone deserves a decent place to live.
- PNC Grow Up Great Volunteer Work (2016-2022), Supported early childhood education by volunteering in programs that promote learning and development in young children. Played a hands-on role in activities designed to enhance cognitive and social skills, ensuring a solid foundation for their future educational success.
References
Available upon request.
Timeline
Senior Affordable Housing Analyst
Federal Home Loan Bank of Dallas
2023.12 - Current
Affordable Housing Senior Analyst
Walker & Dunlop
2022.04 - 2023.06
Multifamily Underwriter
PNC Bank
2016.06 - 2022.04
Licensed Personal Banker/Business Specialist
Wells Fargo
2012.03 - 2016.05
Customer Service Representative Manager
Auto Partners
2008.06 - 2011.05
Master of Social Work -
Grand Canyon University
Bachelor of Arts in International Business, Minor in Marketing - Minor in Marketing
University of Arizona
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