Account Representative

Mulligan-Funding,-LL; San Diego (CA); On-site; USD 34,000 - 44,000; Full time

Benefits offered by this job

Medical, vision & dental benefits

401K with match

Flexible Spending Accounts (FSA)

Paid time off

Gym membership contribution

Referral program

Company events

Job summary

Mulligan Funding, headquartered in San Diego, seeks an Account Representative to service a portfolio of delinquent commercial loans. You will negotiate repayment structures, perform skip-tracing, and use Salesforce and specialized software to document plans and outcomes.

You will partner with risk, operations, and compliance teams while applying analytical thinking and empathy to create win-win debt-resolution strategies in a fast-paced environment.

Qualifications

• 2+ years in collections, credit resolution, or financial services.
• High School Diploma or GED required.
• Proficiency with Salesforce CRM and specialized Credit & Collections software.
• Strong MS Excel skills to organize, filter, and analyze portfolio metrics.
• Hands‑on expertise in outbound collection calling and skip‑tracing methodologies.
• Exceptional communication, negotiation, and conflict‑resolution abilities.
• Empathy to navigate sensitive financial conversations while maintaining firm business boundaries.

Responsibilities

• Manage and strategically service an assigned portfolio of delinquent commercial loan accounts.
• Conduct proactive outreach to negotiate repayment structures, workouts, and settlements.
• Utilize skip-tracing tools to locate accounts and uncover contact channels.
• Leverage Salesforce and Credit & Collections software to track performance and plan actions.
• Design custom debt-resolution plans to restore accounts to good standing.
• Collaborate with risk, operations, and compliance teams to align with standards.

Skills

Skip-tracing

Negotiation

Communication

Analytical thinking

Time management

Empathy

Outbound calls

Education

High School Diploma or GED

Tools

Salesforce CRM

Credit & Collections software

Job description

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $10M) 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.

Mulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Account Representative to join our Account Servicing and Collections Team. In this role, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. Financial roadblocks happen—our job is to build the bridge over them. You won't just collect payments; you’ll analyze business finances, partner with clients facing tough times, and engineer win-win repayment strategies while earning through an aggressive commission plan.

You will:

• Manage and strategically service an assigned portfolio of delinquent commercial loan accounts.
• Conduct proactive, high-impact outreach to negotiate realistic repayment structures, debt workouts, and settlements.
• Utilize advanced skip-tracing tools and investigative techniques to locate hard-to-reach accounts and uncover new contact channels.
• Leverage Salesforce CRM and specialized Credit & Collections software to track portfolio performance and document strategic account plans.
• Uncover the root causes of financial delinquency and deliver creative, custom-tailored repayment plans that restore accounts to good standing.
• Partner closely with internal risk, operations, and compliance teams to ensure strategies meet both business goals and regulatory standards.

You have:

• 2+ years of proven success in collections, credit resolution, or financial services.
• High School Diploma or GED required.
• Proficiency with Salesforce CRM and specialized Credit & Collections software.
• Strong MS Excel skills to organize, filter, and analyze portfolio metrics.
• Hands‑on expertise in outbound collection calling and skip‑tracing methodologies.
• Exceptional communication, high‑stakes negotiation, active listening, and conflict resolution skills.
• High emotional intelligence and natural empathy to navigate sensitive financial conversations while maintaining firm business boundaries.
• Strong analytical mindset, critical thinking, and creativity to design custom debt resolution plans.
• High adaptability, strong organizational skills, and precise time management to balance portfolio priorities in a fast‑paced environment.
• A collaborative mindset to work effectively alongside internal teams and clients.

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.

$24.42 - $31.83 an hour

A reasonable estimate of the hourly range for this role is $24.42 to $31.83. With this position, there is also additional earning opportunity that will be discussed upon receiving an offer of employment. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications.

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.