Credit Analyst I

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($5K - $2M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what’s possible while creating value for all of our partners.

As a Credit Analyst I, you will work closely with experienced credit analysts and underwriters, gaining practical knowledge in financial analysis, risk assessment, and credit decision-making. This role is designed to introduce you to the essential components of assessing the creditworthiness of businesses seeking loans. 

You will:

• Perform cursory analysis of financial documents to evaluate the creditworthiness of commercial loan applicants.
• Learn to assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.
• Analyze personal and business credit reports to identify credit risks associated with commercial loan applicants.
• Prepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions.
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.
• Assess the impact of the guarantor on the company’s ability to service debt.
• Performs other duties as assigned.

You have:

• At least one year of hands-on experience in underwriting or credit analysis; preferably 2-3 years within the industry.
• A Bachelor's degree, preferably in business, finance, accounting, economics, or a related discipline.
• A robust understanding of GAAP accounting principles, showcasing the ability to dissect financial statements and business bank statements.
• Knowledge of the U.S. small business lending landscape, coupled with insights into various industry risk segments.
• Well-developed organizational, communication, and time-management skills.
• Proficiency in Microsoft Office products, G-Suite, and the ability to swiftly adapt to new programs and CRM systems.
• Strong critical thinking, mathematical, and analytical skills.
• The ability to make informed and complex decisions under pressure within a fast-paced environment.

We offer:

• Medical, vision, and dental benefits to support you and your family.
• Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.
• A 401(k) with matching contributions to help you plan for retirement.
• Paid time off, including sick leave, vacation, and holidays.
• Paid parental leave for growing families.
• A Lifestyle Spending Account (LSA) for athletic and wellness expenses.
• An employer-sponsored Life and AD&D policy, with options for additional coverage.
• A Learning Stipend for professional development activities.
• An Employee Assistance Program (EAP) and travel assistance services.
• Complimentary snacks and refreshments in the breakroom.
• A referral program that rewards you for bringing in top talent.
• Company events to connect, celebrate, and grow together.

Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.