Hi, I’m
Jose Anzaldo
Los Angeles,CA
Summary
Experienced credit professional with a strong background in residential and commercial lending, dedicated to ensuring the health of portfolios. Skilled in managing credit teams within FinTech startups for over 5 years. Passionate about serving under-banked communities by providing necessary resources and education to foster personal and business credit histories. Proficient in agile project management, focusing on streamlining product development to achieve business objectives. Known for effective communication and team leadership, successfully leading product launches and optimizing backlog management while maintaining strong stakeholder relationships.
Overview
10
years of professional experience
Work History
Quantum Lending Technologies
Product Owner - Credit
02.2024 - 01.2025
Job overview
- Managed backlog prioritization, ensuring alignment with business goals and stakeholder expectations.
- Collaborated with engineering teams on technical feasibility assessments, resulting in realistic scope definition for projects related to the Credit Risk department.
- Developed comprehensive road-maps outlining the product vision, goals, and milestones for the release of of a new Loan Origination System expected to be rolled out in 2025.
- Proactively identified risks associated with project timelines or deliverables, implementing mitigation strategies when necessary.
Camino Financial
Director of Credit Originations
01.2019 - 02.2024
Job overview
- Worked directly with the VP and Chief of Credit Risk to balance risk/return considerations carefully while making critical decisions concerning loan approvals, extensions, and modifications.
- Remotely managed a team of fourteen underwriters and five closing analysts working out of Mexico City who originated ~$5 million in working capital loans each month.
- Championed process improvement initiatives within the department, resulting in significant time/cost savings for the organization as a whole
- Maintained detailed records of all investigations conducted, providing valuable data for trend analysis and future case management efforts.
National Funding
Credit Analyst
01.2018 - 09.2018
Job overview
- Originated working capital small business loans alongside loan officers dedicated to equipment financing and leasing
- Applications were analyzed using required customer documentation such as business bank statements, tax returns, and personal credit reports
- Took part in extensive research of borrowers' personal and business histories, filtering out those with a high probability of default
Global Equity Finance
Credit Analyst Manager
01.2015 - 12.2017
Job overview
- Managed a team of eleven Credit Analysts responsible for internally underwriting purchase and refinance mortgage applications
- All applications were underwritten in accordance to not only Conventional, FHA, and VA guidelines, but also aligned to the guidelines provided by the brokers partnered with Global Equity Finance
- Responsible for training, hiring, and technology implementation
Education
University of California, San DiegoSan Diego, CA
Bachelor of Science from Cognitive Science, Human Behavior
03.2015
Skills
- Fraud Risk Management
- Project Management
- Customer Relationship Management Development
- Policy Development
- Probability of Default Analysis
- Roadmap development
- Product backlog management
- Credit scoring models
- Bank relationship management
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Interests
- Tech enthusiast, passionate about exploring the latest advancements and innovations specifically the utilization of Artificial Intelligence
- Youth mentor, providing guidance and support to empower the next generation of leaders.
Timeline
Product Owner - Credit
Quantum Lending Technologies
02.2024 - 01.2025
Director of Credit Originations
Camino Financial
01.2019 - 02.2024
Credit Analyst
National Funding
01.2018 - 09.2018
Credit Analyst Manager
Global Equity Finance
01.2015 - 12.2017
University of California, San Diego
Bachelor of Science from Cognitive Science, Human Behavior
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