Robert Calvo Email & Phone Number

Boca Raton, Fl

Empower clients to mitigate risk, prevent fraudulent activity, authenticate identities and increase collection revenues through TLOxp Risk Management, hosted/cloud solution. Develop regional territory covering both Mid-West & West Coast. Manage relationships with book of financial services clients including banks, credit unions, FinTechs, nonbank lenders, automotive dealerships and merchant cash advance companies. Retain accounts and prospect for new business.Manage end-to-end sales cycle from initial contact through closing, onboarding, follow-up, QBRs and support to retain clients. Leverage consultative selling to penetrate target accounts via assessing customer needs, uncovering business opportunities. advising clients to utilize TLOxp Risk Management per data and fraud strategies. Negotiate pricing for both upgrades and new contracts. Update SalesForce.com CRM.► Launched TLOxp Social Media Search & Comprehensive Report module.► Conduct product demonstrations via webinar (WebEx & GoToMeeting). ► Conduct quarterly business review (QBR) with top 20% accounts.

Fort Lauderdale, Fl

Mitigated loss for national portfolio of 110 to 150 delinquent residential mortgages including GSEs (Fannie Mae & Freddie Mac), USDA, VA and FHAs valued at up to $300,000. Used foreclosure alternatives such as loan modifications, short sales, deeds in lieu, reinstatement and repayment plans, as well as loan forbearances per lenders’ guidelines.Assessed homeowners’ intentions and financial records. Worked internally with Underwriting and Property Preservation Team. Coordinated with lenders, property managers, realtors, brokers, attorneys, title companies, inspectors & local government agencies. Adhered to regulations such as Consumer Financial Protection Bureau (CFPB) and Fair Debt Collection Practices Act (FDCPA). Used Mortgage Servicing Platform (MSP) and Lending Portal Services (LPS), Calyx Point, Best Case and Pacer software.► 90%+ Compliance Score & Top 10% Ranking for 5 consecutive years.

Boynton Beach, Fl

Managed book of 300 cases+ throughout entire loan modification process focused on guiding homeowners to avoid foreclosure. Specialized in GSEs (Fannie Mae & Freddie Mac), VA and FHA conventional loans. Worked with attorneys & nationwide lenders. Analyzed homeowners’ tax returns, financial & banking statements, collateral valuation reports, property taxes and insurance. Interviewed clients & processed modifications. Drafted pleadings to defend clients during proceedings. Attended meditations.

West Palm Beach, Fl

Trained loan officers to conduct real estate sales transactions, build client relationships and improve presentation skills. Managed all parties involved in loan transaction such as borrowers, lenders, appraisers, insurance agents, loan processors, title agents from origination through closing. Negotiated loan programs & terms by identifying borrowers’ needs.