Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Linda Maria Marin

Brownsville

Summary

Innovative leader and problem-solver with decades of experience in the mortgage industry. Adept at leveraging tools and resources to effectively navigate challenges and changing market dynamics to ensure home buyers achieve their homeownership dreams. Renowned for adaptability, creativity, results-oriented mindset and skilled at working under pressure in a fast-paced setting.

Overview

28
28
years of professional experience
1
1
Certification

Work History

Director of Homeownership

Come Dream Come Build (cdcb)
05.2011 - Current
  • Generated $X million in mortgage loan volume resulting in XXX homeowners.
  • Responsible for supervision, reporting, and strengthening existing regulatory compliance policies and procedures ensuring compliance with regulatory requirements for all lending and housing counseling activities.
  • Oversee all aspects of the mortgage loan cycle including: production, processing, underwriting, lock desk, closing and post closing.
  • Recruit, hire, train and manage personnel working to establish key internal functions, outline scope for new positions, and guiding team members to maintain high productivity and performance metrics.
  • Originate and deliver mortgage loans for the following programs: FHA, Fannie Mae, Freddie Mac, USDA, State Housing Finance Agency and portfolio loan products.
  • Implement regulatory compliance policies and procedures, design comprehensive staff compliance training programs and facilitate cross-functional collaboration across multiple lines of business.
  • Proactively identify Federal, State and private market grant programs and spearhead innovate approaches to down payment assistance allocation by layering funds for low-to-moderate income home buyers.
  • Manage the HUD Certified Housing Counseling program including pre-purchase counseling, foreclosure counseling, and homebuyer education.
  • Leverage professional networks and industry knowledge to strengthen relationships with federal, state and local governmental entities, and external stakeholders including CDFIs, private sector investors, financial institutions, and non-profit, philanthropic and community partners.
  • Collaborated with senior leadership to expand business operations by ensuring cdcb's approval as a Fannie Mae and Freddie Mac seller/servicer.
  • Increased cdcb's revenue and expanded cdcb's market reach and overall growth strategy by collaborating with Self Help Credit Union, Housing Partnership Network, FAHE and EHC to create the new loan product Inspire100.
  • Reduced budgetary expenditures by negotiate services and contracts with vendors to increase revenue on new developments and rehabilitation and repair projects.
  • Leverage data analytic insights to inform senior leadership decision making to expand cdcb'c reach in new markets, and increase mortgage loan acquisition while maintaining alignment with the mission and core values.

Lending Programs Manager/Direct Endorsement Underwriter

Community Development Corporation of Brownsville
07.2002 - 05.2011
  • Responsible for all first lien (FHA, Fannie Mae, Freddie Mac, Rural Development and Correspondent loans) and subordinate mortgage lending including applicant qualification; loan processing, client income verification and eligibility for subordinate lending programs; first and second lien loan documentation, underwriting, loan closing, and compliance.
  • Supervised and trained all mortgage lending staff and reduced application processing by optimizing workflows throughout the loan origination and underwriting process.
  • Underwrote first lien secondary market eligible loans and subordinate loans for low-to-moderate income first time homebuyers. Meticulously evaluated loan applications for affordability conformance with underwriting guidelines, ensured compliance with regulatory requirements through diligent monitoring of industry changes, and reduced potential losses by improving risk assessment through in-depth review of borrower's financial documents.
  • Managed all functions related to processing and closing of homebuyers receiving federal funds (HOME, CDBG, RHED); State of Texas funds (Bootstrap Self Help); Neighborhood Stabilization Program funds (NSP); Federal Home Loan Bank funds (AHP, HELP, SNAP).
  • Developed underwriting standards and matched subordinate loans to maximize first lien leverage.
  • Managed investor relationship with State of Texas Mortgage Revenue Bond Master Servicer and correspondent relationship with Wells Fargo Home Mortgage for delivery of first lien mortgage loans.

Underwriter I

Washington Mutual
07.2001 - 06.2002
  • Responsible for underwriting FHA, VA, and conventional loan products.
  • Provided excellent customer service to correspondent lenders via the HELP Desk.
  • Made approval and denial recommendations by determining accurate risk levels.

Sr. Loan Officer/Staff Underwriter

Community Development Corporation of Brownsville
01.1999 - 06.2001
  • Responsible for qualifying borrowers and underwriting $3MM in Affordable Housing Loan program utilizing alternative underwriting standards.
  • Responsible for underwriting all FHA loans.
  • Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
  • Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
  • Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
  • Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
  • Increased mortgage revenue by developing targeted marketing campaigns aimed at specific customer segments.
  • Established a reputation as an expert in various loan programs, becoming a trusted resource for colleagues and clients alike.

Mortgage Loan Processor

Community Development Corporation of Brownsville
04.1998 - 01.1999
  • Assessed borrower income and credit eligibility at commitment and prior to closing per regulatory requirements and prepared all loan agreements and legal documents.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
  • Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
  • Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.

Credit Manager

Norwest Financial
11.1996 - 12.1997
  • Responsible for the collection process which included increasing receivables resulting in increased profitability and controls related to uncollectable loans.

Education

Bachelor of Business Administration - Finance & Marketing

University of Texas At Austin
05.1996

Skills

  • Mortgage Underwriting Proficiency
  • Regulatory Compliance Expertise
  • Mortgage Portfolio Oversight
  • Mortgage Loan Product Innovation

Certification

  • FHA Direct Endorsement Underwriter, AQ24, 2001
  • National Mortgage Licensing System, 217964, 2010
  • Neighbor Works Train the Trainer Certification, 2011
  • Neighbor Works Homeownership Counseling Certification for Program Managers and Executive Directors, 2011
  • Green Home Improvement Lender badge, University of New Hampshire
  • Texas REALTOR , 792195, 2022

Languages

Spanish
Native or Bilingual

Timeline

Director of Homeownership

Come Dream Come Build (cdcb)
05.2011 - Current

Lending Programs Manager/Direct Endorsement Underwriter

Community Development Corporation of Brownsville
07.2002 - 05.2011

Underwriter I

Washington Mutual
07.2001 - 06.2002

Sr. Loan Officer/Staff Underwriter

Community Development Corporation of Brownsville
01.1999 - 06.2001

Mortgage Loan Processor

Community Development Corporation of Brownsville
04.1998 - 01.1999

Credit Manager

Norwest Financial
11.1996 - 12.1997

Bachelor of Business Administration - Finance & Marketing

University of Texas At Austin

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Linda Maria Marin