Recovery Analyst

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 Recovery Analyst, you will assume a multifaceted role that involves working closely with customers to explore workout options for distressed loans while also managing the collection of delinquent accounts. This dynamic position requires an understanding of loan structures, negotiation skills, legal procedures, bankruptcy laws and the ability to provide exemplary customer service.

You will:

• Collaborate with customers facing financial difficulties to explore workout options such as loan modifications, forbearance agreements, and repayment plans.
• Negotiate and document workout agreements and recovery efforts while ensuring compliance with applicable laws and regulations.
• Proactively contact customers with overdue payments and delinquent accounts to initiate recovery efforts.
• Provide exceptional customer service by addressing borrower inquiries, concerns, and disputes with professionalism and empathy.
• Assist in generating reports on workout and collection activities, analyzing trends and proposing process improvements.
• Escalate complex cases or potential legal issues to the appropriate parties for further action.
• Analyze the root causes of loan distress and develop strategies to prevent future delinquencies.
• Performs other duties as assigned.

You have:

• 2+ years of relevant experience and a Bachelor’s degree in a related field.
• Proficiency in Credit and Collections Software, Salesforce CRM, and advanced Excel skills.
• Knowledge of Bankruptcy Regulations, Debt Restructuring, and Loss Mitigation.
• Strong skills in Negotiation, Issue Resolution, and Legal-Contracts Review.
• Adaptability, emotional intelligence, and strong communication skills.
• Effective problem-solving, critical thinking, and creativity.
• Excellent organizational skills and time management abilities.
• A customer-focused mindset with experience in outbound collection calling.

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.