Robert J. Orcutt
O’Fallon,MO
Summary
Strategic, results-driven leader with 15+ years of success in mortgage default servicing, collections, and operations within top-tier financial institutions. Proven ability to lead high-performing teams, streamline operations, and ensure compliance in heavily regulated environments. Known for exceeding performance targets and spearheading enterprise-level improvements.
Overview
16
16
years of professional experience
Work History
Manager, Mortgage Default & Collections
CENLAR FSB
O’Fallon, MO
04.2023 - Current
- Manage a team of 20+ overseeing collections, loss mitigation, bankruptcy, REO, and sub-servicing for a $98B loan portfolio
- Lead training and onboarding for 150+ employees to enhance customer service and operational accuracy
- Lead call center operations including staffing, training, QA, and compliance for default servicing
- Manage budget and workforce to ensure responsiveness to call volume and business needs
- Champion process improvements enhancing customer experience and operational performance
- Align cross-functional initiatives with IT, HR, and executive leadership
Supervisor, Mortgage Default & Collections
CENLAR FSB
O’Fallon, MO
06.2019 - 04.2023
- Managed team supporting $98B+ loan portfolio across collections, loss mitigation, bankruptcy, REO, and subservicing
- Trained and onboarded 150+ employees; created SOPs and job aids to standardize practices
- Collaborated with analysts and traffic coordinators on SLA performance and workflow optimization
- Identified compliance risks and escalated trends to senior leadership for resolution
AVP, Sr. Manager, Recovery & Collections
CITIMORTGAGE
O’Fallon, MO
04.2016 - 06.2019
- Directed 18–25 agents across default collections and loss mitigation for FNMA, FHLMC, FHA, and private investors
- Enhanced collections strategies through dialer analytics and compliance-driven process enhancements
- Led risk-reduction initiatives and recovery efforts across multiple asset classes
Project Manager, UAT Testing (Operations Support)
CITIMORTGAGE
O’Fallon, MO
04.2015 - 09.2016
- Translated business needs into technical requirements for system enhancements
- Managed UAT, implementation, and defect resolution in Agile and Waterfall environments
- Tools: Jira, iRise, ProCore, Quality Center
Executive Response Unit, Bankruptcy Division
CITIMORTGAGE
O’Fallon, MO
06.2011 - 04.2015
- Handled high-level escalations (MHA/NERU), ensuring compliance and resolution in complex cases
- Improved response metrics and client satisfaction through data-driven insights
Underwriter / Closer, Loss Mitigation
CITIMORTGAGE
O’Fallon, MO
06.2010 - 06.2011
- Reviewed and finalized loss mitigation and modification packages across hardship and investor guidelines
Closer
CITIMORTGAGE
O’Fallon, MO
02.2009 - 06.2010
- Reviewed and finalized loss mitigation and modification packages across hardship and investor guidelines
Education
Coursework - Business Communication & Media Studies (Marketing Focus)
Pima College
Tucson, AZSkills
- Mortgage Default & Collections Strategy
- Team Leadership & Development
- Regulatory Compliance (RESPA, CFPB, Investor Guidelines)
- Process Optimization & Operational Efficiency
- Customer Experience & Retention
- Budgeting & Workforce Planning
- Risk Mitigation & Crisis Management
- Performance Analytics & Reporting
Timeline
Manager, Mortgage Default & Collections
CENLAR FSB
04.2023 - Current
Supervisor, Mortgage Default & Collections
CENLAR FSB
06.2019 - 04.2023
AVP, Sr. Manager, Recovery & Collections
CITIMORTGAGE
04.2016 - 06.2019
Project Manager, UAT Testing (Operations Support)
CITIMORTGAGE
04.2015 - 09.2016
Executive Response Unit, Bankruptcy Division
CITIMORTGAGE
06.2011 - 04.2015
Underwriter / Closer, Loss Mitigation
CITIMORTGAGE
06.2010 - 06.2011
Closer
CITIMORTGAGE
02.2009 - 06.2010
Coursework - Business Communication & Media Studies (Marketing Focus)
Pima College
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