Mulligan Funding, LLC

Risk

• Collaborate with customers facing financial difficulties to explore workout options such as loan modifications, forbearance agreements, and repayment plans.
• Negotiate and manage a portfolio of complex workout agreements and recovery efforts while ensuring compliance with applicable laws and regulations.
• Manage several collection agency outsourcing processes which includes selection, onboarding, performance management and due diligence reviews.
• Lead the collections efforts on large and complex delinquent accounts.
• Conduct quality assurance and compliance checks on all third party vendors.
• Partner with internal and external legal counsels to resolve more complex loan delinquencies.
• 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.
• Generate reports on workout and collection activities, analyzing trends and proposing process improvements.
• Liaise between company leadership and client, presenting leadership with an analysis for client loan defaults.
• Analyze the root causes of loan distress and develop strategies to prevent future delinquencies.
• Performs other duties as assigned.

Principal Risk & Recovery Manager

Analyst

• Analyze financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants.
• Assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.
• Prepare credit reports summarizing findings and underwriting recommendations for commercial loan decisions.
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.
• 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.

Principal Risk & Recovery Manager

Credit Analyst II