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 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:
- 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.
$95,000 - $120,000 a yearA 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.Apply for this job
