Mulligan Funding, LLC

Credit Analyst II

Mulligan Funding, LLC

full-time

Posted on:

Location Type: Hybrid

Location: San Diego • California • United States

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Salary

💰 $36 - $46 per hour

About the role

  • 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.

Requirements

  • At least 3 years of experience in underwriting or credit analysis, with 2-3 years industry experience being highly desirable.
  • 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.
Benefits
  • 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.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
underwritingcredit analysisfinancial statement analysisGAAP accounting principlesfinancial metrics analysiscredit report preparationmathematical skillsanalytical skillsdecision making
Soft Skills
organizational skillscommunication skillstime management skillscritical thinkingability to work under pressure