Credit Analyst II

Mulligan Funding, LLC; San Diego (CA); On-site; USD 49,676 - 62,914; Full time

Benefits offered by this job

Comprehensive medical, vision and dental benefits

Flexible Spending Accounts (FSA)

401K with matching contributions

Generous sick, vacation, and holiday benefits

Gym membership contribution

Internal referral program

Company events

Job summary

A financial services provider headquartered in San Diego seeks a Credit Analyst II to evaluate the creditworthiness of commercial loan applicants. Ideal candidates will have at least three years of experience in underwriting and hold a bachelor’s degree in finance or a related field. This full-time position offers competitive pay ranging from $36.06 to $45.67 per hour, alongside comprehensive benefits such as healthcare, retirement plans, and a gym membership contribution.

Qualifications

• At least 3 years of experience in underwriting or credit analysis.
• Solid understanding of GAAP accounting principles.
• Proficiency in all Microsoft Office products.
• Exceptional organizational and communication skills.

Responsibilities

• Analyze financial statements and documents to evaluate creditworthiness.
• Prepare credit reports summarizing findings.
• Collaborate with colleagues to communicate underwriting decisions.
• Make underwriting recommendations based on established criteria.

Skills

Financial analysis

Credit decision-making

Communication skills

Time-management

Analytical skills

Education

Bachelor’s degree in business, finance, accounting, or economics

Tools

Microsoft Office products

G-Suite

Job description

2 days ago Be among the first 25 applicants

Mulligan Funding, LLC provided pay range

This range is provided by Mulligan Funding, LLC. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$36.06/hr - $45.67/hr

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) to the small and medium‑size businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer‑focused approach. Enjoying an unprecedented period of growth, driven by 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.

Credit Analyst II, you will work closely with experienced credit analysts and underwriters, gaining practical knowledge in financial analysis, risk assessment, and credit decision‑making. This role is designed to sharpen your knowledge of assessing the creditworthiness of businesses seeking loans.

You will:

• 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
• Perform other duties as assigned

You have:

• 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

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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

A reasonable estimate of the salary range for this role is $36.06 to $45.67 per year. 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.

Seniority level

Associate

Employment type

Full‑time

Job function

Finance and Sales

Industries

Transportation, Logistics, Supply Chain and Storage

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