Thomas Caliendo
Ocala,FL
Summary
Forward-thinking Manager with comprehensive experience implementing new processes and managing and planning innovations. Bringing outstanding problem-solving and abilities paired with in-depth knowledge of policies and procedures. Polished in evaluating employee performance and overseeing key projects. Fully Knowledgeable of the FDPCA and CFPB, Proven history of handling Default accounts and minimizing delinquency. Full knowledge of Loss Mitigation options as well as fully versed in Bankruptcy procedures.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Collections & SPOC manager
Essex Mortgage
Ocala, FL
07.2023 - 02.2024
- Manage the collections an single point of contact team, to establish collection strategies to effectively lower delinquency
- Handling of all Default accounts, via loss mitigation options, though foreclosure when required
- Created call management of all Default accounts
- Coached, mentored and trained team members in order to improve their job performance.
- Ensured compliance with all applicable laws, regulations, industry standards. Fully knowledgeable in FDCPA & CFPB laws
- Scheduled interviews for potential candidates and conducted reference checks prior to hire.
- Maintained up-to-date records of employee attendance, payroll information, vacation requests.
- Assessed team member's skillsets and assigned tasks accordingly for optimal efficiency.
- Established processes to ensure efficient workflow throughout the organization.
- Monitored staff performance and addressed issues.
- Well versed in all Bankruptcy procedures
- Interfaced with external attorneys when necessary to resolve complex cases involving legal action against a borrower.
Accounts Receivable Specialist
Nicholas Financial Inc
Ocala, FL
11.2020 - 03.2022
- Collect on outstanding auto & personal loans
- Skip tracing when necessarily
- Generated weekly aging reports used to identify delinquent accounts requiring follow-up action.
- Processed payments, refunds and adjustments to customer accounts.
- Provided excellent customer service while resolving disputes with customers concerning their accounts receivable balance.
- Created reports on Accounts Receivable performance for management review.
- Researched past due accounts and initiated collection efforts in a timely manner.
- Assisted in developing policies and procedures associated with Accounts Receivable activities.
- Recommended process improvements that increased efficiency in Accounts Receivable operations.
Owner/President
Assest Recovery Management
Providence, RI
06.2002 - 10.2018
- Provided direction and guidance to employees.
- Analyzed industry trends to develop competitive strategies.
- Monitored performance of personnel against goals set forth by the company.
- Developed and implemented strategies to increase customer satisfaction and loyalty.
- Maintained relationships with existing clients by providing superior customer service.
- Managed daily operations of business, including hiring and training staff.
- Ensured compliance with local, state, and federal regulations.
- Ensured compliance with applicable laws and regulations related to business operations. FDCPA & CFPB
- Conducted performance reviews for employees on a regular basis.
- Developed policies and procedures for the organization.
- Hired and trained new department managers to increase team oversight and productivity.
- Executed performance reviews to encourage improved productivity for team members.
- Created and implemented employee onboarding and training programs to promote employee retention and team collaboration.
- Delegated work to staff, setting priorities and goals.
Vice President of collections
PCC Recovery Inc
Port Jefferson, NY
06.1996 - 06.2002
- Handling collections on 600 accounts weekly
- Advised senior executives on approaches for resolving complex issues impacting operations.
- Ensured compliance with applicable laws and regulations related to operations activities. FDCPA & CFPB
- Created effective communication strategies between management team members and employees at all levels of the organization.
- Formulated policies that improved operational efficiency and productivity.
- Established performance standards for staff members in order to drive productivity levels up.
- Trained, and mentored staff members to maximize productivity.
Collector
FORSTER & GARBUS
Plainview, NY
04.1992 - 09.1994
- Collections on outstanding Credit card accounts
- Making calls to arrange a suitable re-payment scheduled
Mortgage Collections Specialist
Norstar Bank
Melville, New York
04.1989 - 03.1993
- Processed payments received from customers according to company guidelines.
- Assisted customers by providing information regarding available options for resolving delinquency issues.
- Ensured compliance with Fair Debt Collection Practices Act regulations at all times.
- Contacted customers via phone and mail to negotiate payment arrangements in compliance with company policies.
- Maintained accurate records of all collection activities in accordance with company guidelines.
- Conducted skip tracing activities when necessary to locate missing borrowers or co-signers.
- Collaborated with third party vendors such as attorneys and debt collectors on collections matters.
Education
none - Accounting and Business Management
Nassau Community College
06.1993
Regents -
Walt Whitman High School
06.1991
Skills
- Microsoft Office (10 years)
- Accounts Receivable
- Account Management
- General Ledger Accounting
- Bank Reconciliation
- Bookkeeping
- Accounts Payable
- Journal Entries
- Balance Sheet Reconciliation
- Office Management
- Account Reconciliation
- Negotiation
- Account management
- Accounts receivable
- NetSuite
- Pivot tables
- Microsoft Excel
- Microsoft Office
- Organizational skills
- Account reconciliation
- Analysis skills
- Supervising experience
- Communication skills
- Databases
- Team management
- Data analysis skills
- Customer service
- Salesforce
- Data Entry
- Math
- B2B
- Cash application
- Accounting software
- Operations Management
- Strategic Planning
- Staff Training and Development
Certification
Bonded, 02/01/90, 06/01/96, Have been bonded in the past.
Additional Information
Familiar with the FDCPA laws. Have working knowledge of the Commercial Law League. Knowledge of working personal, commercial, and B2B collections. Over 35 years experience handling collection matters, international accounts as well as disputed claims. Have handled factoring company accounts. Chargebacks & letters of credit. Able to communicate with clients to discuss best course of action to resolve claims. Break it down to just a monetary perspective and show the best possible returns for all avenues of collecting. Knowledge of full legal process from service to sheriff keeper of execution or action. Skip tracing
Assessments
- Analyzing data, Proficient, 08/01/20, Interpreting and producing graphs, identifying trends, and drawing justifiable conclusions from data
- Basic computer skills, Proficient, 02/01/24, Performing basic computer operations and troubleshooting common problems
- Spreadsheets with Microsoft Excel, Proficient, 03/01/23, Knowledge of various Microsoft Excel features, functions, and formulas
- Attention to detail, Proficient, 03/01/23, Identifying differences in materials, following instructions, and detecting details among distracting information
- Data entry: Attention to detail, Proficient, 03/01/23, Maintaining data integrity by detecting errors
- Attention to detail, Proficient, 02/01/24, Identifying differences in materials, following instructions, and detecting details among distracting information
Accomplishments
- Eagle Scout as well as a member of the Order of the Arrow.
- Lowest Branch Delinquency at Nicholas Financial
Timeline
Collections & SPOC manager
Essex Mortgage
07.2023 - 02.2024
Accounts Receivable Specialist
Nicholas Financial Inc
11.2020 - 03.2022
Owner/President
Assest Recovery Management
06.2002 - 10.2018
Vice President of collections
PCC Recovery Inc
06.1996 - 06.2002
Collector
FORSTER & GARBUS
04.1992 - 09.1994
Mortgage Collections Specialist
Norstar Bank
04.1989 - 03.1993
none - Accounting and Business Management
Nassau Community College
Regents -
Walt Whitman High School
Bonded, 02/01/90, 06/01/96, Have been bonded in the past.
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