Maya Kotto

Richmond

Summary

Detail-oriented and dependable mortgage and finance professional with experience across loan processing, mortgage closing, and cash applications. Proven ability to guide clients from qualification to closing, analyze financial documents, and ensure compliance with industry regulations.

Overview

years of professional experience

Certification

Work History

Mortgage Closing Consultant

CapCenter

07.2024 - 10.2025

Manage full-cycle mortgage process from qualification to closing.
Coordinate disclosures, compliance checks, and closing documentation while providing clear client communication.
Skills: Closing processes, Compliance review, Document verification

Real Estate Settlement Agent

Journey Settlements

02.2024 - 04.2024

Expedited closings by accurately preparing necessary paperwork such as deeds, mortgages, and settlement statements ahead of deadlines.
Collaborated with lenders, real estate agents, and attorneys to facilitate smooth transactions for all parties involved.

Cash Applications Specialist

Costar

01.2023 - 02.2024

Applied payments to receivables, analyzed payment data, and ensured accurate financial reconciliation.
Collaborated with finance teams to maintain system accuracy.
Skills: Oracle, Navision, Excel (v-lookup, pivot tables), Lean Six Sigma

Mortgage Loan Processor

Main Street Home Loans (MSHL)

09.2020 - 01.2023

Prepared and reviewed loan documentation, verified financial info, and supported loan qualification processes.
Skills: Encompass, Cash flow analysis, P&L, Compliance regulations

Education

BFA - Theatre Lighting Design & Technical Production

Virginia Commonwealth University

Skills

Loan Processing: Experienced in loan qualification, preparation, and review of loan documentation
Mortgage Closing: Managed full-cycle mortgage process including disclosures, compliance checks, and closing documentation
Financial Analysis: Analyzed payment data, cash flow, and profit & loss statements
Compliance & Risk Review: Reviewed and ensured compliance with industry regulations
Customer Service: Clear client communication and collaborative mindset

Excel: Proficient with v-lookup, pivot tables
Oracle: Experience applying payments to receivables and financial reconciliation
Navision: Experience in financial systems for cash applications
Lean Six Sigma: White Belt certified, applied to cash application processes
Encompass: Experienced in mortgage loan processing software