Kathy Bottarini
Santa Rosa
Summary
Professional in processing with strong analytical and organizational skills. Known for team collaboration, adaptability, and delivering consistent results. Adept at data management, documentation, and workflow optimization. Reliable and flexible in meeting changing needs and ensuring high standards.
Overview
21
21
years of professional experience
Work History
Loss Mitigation Processor
Village Capital & Investments LLC
Henderson, NV
06.2024 - Current
- Provided support to Loan Officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Reviewed and verified borrower income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting transmittal.
- Ensured compliance with company policies, underwriting guidelines and lending program requirements.
- Maintained client database and calendar.
- Checked deadlines on incoming requests and prioritized daily tasks accordingly.
Sr Loan Processor
CMG Financial
San Ramon, CA
01.2015 - 08.2023
- Responsible for submitting requested documentation to Investors to ensure that loans were purchased to meet each deadline.
- Responsible for the day-to-day administration of the mortgage loan process. Reviewed loan applications, and corresponding documentation for thorough inclusion of items normally required for a complete and quality loan submission of Conventional, FHA and VA loans.
- Reviewed 7 to 10 loans per day and closed between 30 and 40 loans month.
- Open Escrow, order Appraisals. Correspond with Clients, Title and Escrow Companies and Appraisal Management Companies, processed final VOE’s at time of funding.
- Prepared Closing packages and sent to borrowers for signature and assisted with Closings
- Streamlined loan processing workflows, enhancing efficiency and reducing turnaround times.
- Ensured compliance with regulatory guidelines and company policies throughout loan transactions.
Perfect Timing Temp Agency
11.2014 - 01.2015
- Various Administrative/Office Management short term temporary positions, including: First Federal Savings and Loan (Loan Processing November 2014- January 2015)
Robert Half International/Accountemps
12.2013 - 11.2014
- Various Administrative/Office Management short term temporary positions, including:
- Roost (August 2014-November 2014)
- Assistant to VP at Old Republic Exchange Company (February 2014-August 2014)
Post Close QC/Loan Processor
Guarantee Mortgage
San Rafael, CA
05.2007 - 11.2013
- Responsible for submitting requested documentation to Investors to ensure that loans were purchased to meet each deadline.
- Assisted Compliance Manager in delegating correspondence to branches regarding Post Close Audit findings.
- Responsible for the day-to-day administration of the mortgage loan process. Reviewed loan applications, and corresponding documentation for thorough inclusion of items normally required for a complete and quality loan submission of Conventional, FHA and VA loans.
Loan Processor/Loan Agent Assistant
Pacific Capital Mortgage
Novato, CA
10.2004 - 05.2007
- Provided support to Loan Officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Reviewed and verified borrower income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting transmittal.
- Ensured compliance with company policies, underwriting guidelines and lending program requirements.
- Maintained client database and calendar.
- Checked deadlines on incoming requests and prioritized daily tasks accordingly.
Education
Business Courses
College of Marin
Kentfield, CASkills
- Achieved seamless communication and documentation through proficient use of Word, Excel, and Microsoft Outlook Enhanced mortgage processing capabilities by leveraging Encompass, Byte, and Calyx Point software Optimized document sharing with Dropbox and DocuSign Successfully processed wholesale and retail submissions, contributing to improved operational efficiency
- Achieved timely collection of receivables through proactive client engagement and follow-up Improved cash flow by streamlining credit processes and reducing overdue accounts Enhanced financial accuracy by maintaining detailed records of transactions and communications
- Conducted thorough assessments of purchase agreements, appraisals, tax forms, and title documentation to facilitate informed decision-making
- Specialized in federal and state regulatory frameworks, focusing on MDIA, TILA, and RESPA reform, with expertise in DU/LP protocols
- Executed comprehensive loan processing tasks, ensuring compliance with industry standards and enhancing client satisfaction through expert mortgage knowledge
- Excelled in dynamic environments by consistently meeting demands and delivering results under tight deadlines
Timeline
Loss Mitigation Processor
Village Capital & Investments LLC
06.2024 - Current
Sr Loan Processor
CMG Financial
01.2015 - 08.2023
Perfect Timing Temp Agency
11.2014 - 01.2015
Robert Half International/Accountemps
12.2013 - 11.2014
Post Close QC/Loan Processor
Guarantee Mortgage
05.2007 - 11.2013
Loan Processor/Loan Agent Assistant
Pacific Capital Mortgage
10.2004 - 05.2007
Business Courses
College of Marin