President, National Community Stabilization Trust
Rob has held leadership roles in the community development and financial and legal services arena for more than 30 years. He joined NCST in May 2015 as President, where he also served on the Steering Committee since 2010.
Prior to joining NCST he was Vice President at Enterprise Community Partners, Inc. working nationally with a broad set of partners to provide thought leadership and technical assistance in the areas of community stabilization and the intersection of health care and housing. In addition, Rob served as a subject matter expert for their public policy work, helping to set and implement policy agendas.
He also worked at Bank of America as Senior Vice President in the corporate social responsibility group overseeing the bank’s neighborhood stabilization efforts, including its Real Estate Owned (REO) sales to NSP recipients. Rob worked in several progressively-advancing roles during his nine-year tenure at Bank of America and LaSalle Bank in Chicago, including serving as Regional Community Impact Manager for Illinois and Michigan and Manager of LaSalle Bank’s Community Development Corporation. He previously served as Vice President at the Corporation for Supportive Housing. Prior to that, Rob worked as Assistant Director and Assistant General Counsel at the Illinois Housing Development Authority and began his career as a legal aid attorney representing low income households in Illinois.
Rob is a graduate of University of Iowa College of Law and Indiana University.
Executive Vice President
Julia Gordon is the executive vice president of the National Community Stabilization Trust. As a national expert on housing finance, mortgage, and foreclosure issues, Gordon drives NCST’s policy work, which focuses on federal, state and local policies related to neighborhood stabilization, blight and foreclosure prevention. She also oversees the Neighborhood Stabilization Initiative, a program that provides local community development organizations with a “first look” opportunity to acquire Fannie Mae and Freddie Mac REO properties in 18 different cities.
Prior to joining NCST, Gordon served as the Senior Director of Housing and Consumer Finance at the Center for American Progress (CAP). Other positions include managing the single-family policy team at the Federal Housing Finance Agency, serving as senior policy counsel at the Center for Responsible Lending, and working in a variety of positions in the legal aid field.
Gordon received her bachelor’s degree in government from Harvard College and her J.D. from Harvard Law School.
Vice President, Strategy and Development
Annie Carvalho serves as Vice President, Strategy and Development, and her role entails building partnerships with key stakeholders that further the organization’s strategic business objectives, coordinating NCST’s community development field staff, and managing fundraising activities with philanthropic institutions and corporate donors.
Annie has more than 15 years of experience in community development and affordable housing in both the private for-profit and non-profit sectors. Her past experience also includes roles in single family mortgage finance, non-performing loan servicing, real estate development finance and urban community development consulting. From 2004-2009, Annie worked at Freddie Mac, first as part of the single-family market delivery team for their single family affordable lending products and homeownership initiatives, then in their non-performing loans – default asset management division.
She began her career in affordable housing at Rondo Community Land Trust, a non-profit housing organization in St. Paul, Minnesota. She received a Community Development Fellowship from the U.S. Department of Housing and Urban Development, during which she assisted with the development of community-driven projects to improve food security in low income neighborhoods, along with the creation of a community resource database for West Philadelphia.
Annie has a Masters in City Planning from the University of Pennsylvania, with a focus on housing, community development, and real estate finance. She holds a B.A. in Sociology and Anthropology from Gustavus Adolphus College in St. Peter, MN.
Carlos Alcazar serves as Comptroller, and his responsibilities include oversight of the financial accounts of the organization, as well as the budgets. In addition, he oversees NCST’s web-based application, REOMatch™. Carlos joined NCST in 2010, and has more than 14-years of experience in mortgage banking with direct management in originations production, operations and community lending.
Prior to joining NCST, Carlos was Senior Vice President, Director of Special Programs at CitiMortgage where he lead their Mortgage Revenue Bond programs origination through state and local housing finance agencies, along with specialized programs including the California Public Employees Retirement System (CalPERS) and the Texas Veterans Land Board (TVLB). During his tenure at CitiMortgage, the department finished ahead of plan and originated more than $2B in loans amid economic turmoil.
Carlos’ prior work experience includes Family Housing Resources, Inc. (FHR), where he was the Director of Housing, overseeing the Single Family Mortgage Revenue Bond program for the state of Arizona. While at FHR, he worked in collaboration with CitiMortgage to create a new down payment and closing cost assistance program, Arizona Home Buyer Solutions™. Earlier in his career, Carlos was a Vice President at Gold Mortgage Center, Inc. in Arizona, accountable for all aspects of company operations.
Carlos earned an MBA from Keller Graduate School of Management, and a BA in Political Science from Arizona State University.
Vice President of Program Operations
Erin Persons serves as Vice President of Program Operations managing day-to-day program activities, data and reporting, program metrics and performance, as well as technology development. Erin began her career with NCST as a consultant in 2008 working to develop the framework for the organization and joined as an employee in 2010. She brings more than 12 years of real estate and mortgage servicing experience.
Prior to joining NCST, Erin worked as a consultant for First American Corporation, where she developed a vendor management policy and risk assessment tool that was implemented across the organization, along with new software licensing and administrative services agreements, both of which reduced risk and created revenue opportunities. Erin also worked at Wells Fargo Home Mortgage as the corporate representative for escrow servicing where her duties included litigation research, settlement recommendations and representation of the company in depositions, mediations and trials.
Erin holds a BA in Management from Simpson College.