Senior Credit Analyst

Join to apply for the Senior Credit Analyst role at Mulligan Funding, LLC

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Join to apply for the Senior Credit Analyst role at Mulligan Funding, LLC

This range is provided by Mulligan Funding, LLC. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

$95,000.00/yr - $/yr

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 Analys t, 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

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

• ve:5+ years of experience in underwriting or credit analy
• sisA bachelor’s degree in a relevant field such as business, finance, accounting, economics or simil
• ar.
  
  A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statemen
• ts.
  
  Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segmen
• ts.
  
  Exceptional organizational, communication, and time management skil
• ls.
  
  Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM syste
• ms.
  
  Superior critical thinking, mathematical, and analytical skil
• ls.
  
  The capacity to make complex decisions under pressure in a fast-paced setti

• fer:
  
  Medical, vision, and dental benefits to support you and your fam
• ily.
  
  Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expen
• ses.
  
  A 401(k) with matching contributions to help you plan for retirem
• ent.
  
  Paid time off, including sick leave, vacation, and holid
• ays.
  
  Paid parental leave for growing famil
• ies.
  
  A Lifestyle Spending Account (LSA) for athletic and wellness expen
• ses.
  
  An employer-sponsored Life and AD&D policy, with options for additional cover
• age.
  
  A Learning Stipend for professional development activit
• ies.
  
  An Employee Assistance Program (EAP) and travel assistance servi
• ces.
  
  Complimentary snacks and refreshments in the breakr
• oom.
  
  A referral program that rewards you for bringing in top tal
• ent.
  
  Company events to connect, celebrate, and grow toget

Associate

Full-time

Analyst, Finance, and Other

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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.