Tom Croft joined Carrington in 2007 with more than 18 years' mortgage banking experience, largely in delinquency and default management, already under his belt. Today he is focused on REO management, foreclosure and bankruptcy operations. Croft previously worked in default operations for Fremont. At Fremont Tom successfully deployed a new default management system (FORTRACS) and a property preservation department, and implemented outsourced foreclosure and bankruptcy solutions. Tom also led the development and implementation of a web-based attorney communication program in default management areas.