Senior Credit Analyst

Mulligan Funding, LLC

Sr. Credit Analyst at Mulligan Funding evaluating commercial credit worthiness and collaborating across teams.

Posted 5/5/2026full-timeSan Diego • California • 🇺🇸 United StatesSenior💰 $95,000 - $120,000 per yearWebsite

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

A Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.
Six to eight years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.
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.
A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

Benefits

Comp & perks

Comprehensive medical, vision and dental benefits that give you peace of mind.
Hybrid work schedule allowing you to split your week between coming into the office and working remotely from home.
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.
Paid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family.
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.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysiscredit analysisGAAP accounting principlesfinancial statement analysisunderwritingrisk assessmentcredit reportingmathematical skillsanalytical skillsdecision making

Soft Skills

organizational skillscommunication skillstime managementcritical thinkingleadershipprofessional developmentcollaborationpresentation skillsproblem solvingadaptability