Senior Credit Analyst

Senior Credit Analyst

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) 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 Sr. Credit Analyst, you will leverage your experience and expertise by working closely with junior credit analysts, passing on your knowledge in credit analysis, risk assessment, and credit decision-making. Your role will encompass comprehensive credit risk assessment, policy development, portfolio management, and collaboration with cross-functional teams.

You will:

• Analyze complex financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants.
• Independently review the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.
• Provide guidance and support to junior credit analysts, fostering their professional development.
• Identify credit risks associated with commercial loan applicants.
• Prepare credit reports summarizing findings and underwriting recommendations for large commercial loan decisions.
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.
• Present and defend credit proposals to the Credit Committee, offering well-supported recommendations for loan approvals, modifications, or declines.
• Make underwriting recommendations based on established criteria and policies.
• Assess the impact of the guarantor on the company's ability to service debt.
• Performs other duties as assigned.

You have:

• 5+ years of experience in underwriting or credit analysis
• A bachelor's degree in a relevant field such as business, finance, accounting, economics or similar.
• A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statements.
• Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segments.
• Exceptional organizational, communication, and time management skills.
• Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM systems.
• Superior critical thinking, mathematical, and analytical skills.
• The capacity to make complex decisions under pressure in a fast-paced setting.

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.

$95,000 - $120,000 a year

A reasonable estimate of the salary range for this role is $95K - $120K 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.