As a Credit Analyst II, evaluate creditworthiness of loan applicants through financial analysis, assess financial health, prepare reports, and communicate decisions.
Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) 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.
The Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact.
In this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions.
This role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration.
What You'll Do
- Analyze financial statements, tax returns, and business bank statements to assess creditworthiness and repayment capacity.
- Evaluate liquidity, profitability, leverage, and cash flow trends to determine overall risk profile.
- Assess guarantor strength and its impact on debt service ability and portfolio exposure.
- Prepare comprehensive credit memorandums that clearly summarize financial analysis, risk factors, and underwriting rationale.
- Make sound credit recommendations aligned with established credit policies and risk parameters.
- Collaborate cross functionally to communicate credit decisions clearly and efficiently while supporting deal flow and client experience.
- Identify emerging risk trends across industries and proactively raise insights to leadership.
- Manage a high volume pipeline while maintaining strong quality, accuracy, and turnaround standards.
What You'll Bring
- Three or more years of underwriting or credit analysis experience, preferably within small business or commercial lending.
- A Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.
- Strong working knowledge of financial statement analysis and the ability to interpret complex financial data with confidence.
- Understanding of small business lending dynamics and common industry risk considerations.
- Strong analytical thinking and quantitative skills with attention to detail.
- Ability to make complex credit decisions in a deadline driven environment.
- Clear written and verbal communication skills and confidence presenting underwriting rationale.
Why You'll Love It Here
- You will take meaningful ownership of underwriting decisions that directly impact portfolio performance.
- You will deepen your technical expertise while strengthening your independent judgment.
- You will work alongside experienced credit professionals in a collaborative, accountable environment.
- You will continue building a clear path toward senior underwriting or leadership opportunities.
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.
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.
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