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.

Read on to fully understand what this job requires in terms of skills and experience If you are a good match, make an application.

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.
• Perform 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 :

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.
• A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.
• Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.
• A gym membership contribution that supports your well-being, and helps you stay energized and focused.
• An internal referral program that rewards you for bringing talented people to the team.
• Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.

$65,000 - $75,000 a yearA reasonable estimate of the salary range for this role is $65,000 to $75,000 per year. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications.

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.

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