Credit Analyst II
Mulligan Funding, LLC
full-time
Posted on:
Location Type: Hybrid
Location: San Diego • California • 🇺🇸 United States
Visit company websiteSalary
💰 $36 - $46 per hour
Job Level
Mid-LevelSenior
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
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