Senior Credit Analyst

Mulligan Funding, LLC; San Diego (CA); On-site; USD 95,000 - 120,000; Full time

Benefits offered by this job

Medical, vision, and dental benefits

401(k) with matching contributions

Paid parental leave

Learning Stipend for professional development

Employee Assistance Program (EAP)

Job summary

A financial services provider in San Diego is seeking an experienced professional for a credit analyst role. The position requires 5+ years in underwriting or credit analysis and includes responsibilities such as evaluating financial statements, assessing credit risks, and preparing credit reports. Ideal candidates will have a bachelor's degree in finance or a related field, and strong organizational and analytical skills. This full-time role offers competitive compensation within a supportive work culture.

Qualifications

• 5+ years of experience in underwriting or credit analysis.
• Solid understanding of GAAP accounting principles.
• Profound knowledge of the U.S. small business lending landscape.

Responsibilities

• Analyze complex financial statements to evaluate creditworthiness.
• Identify credit risks associated with loan applicants.
• Prepare credit reports and summaries for loan decisions.

Skills

Underwriting

Credit analysis

Communication skills

Time management

Analytical skills

Education

Bachelor's degree in business, finance, accounting, economics or similar

Tools

Microsoft Office

G-Suite

Job description

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

$95,000.00/yr - $120,000.00/yr

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.

Responsibilities

• 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
• Perform other duties as assigned

Qualifications

• 5+ years of experience in underwriting or credit analysis
• 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

• Medical, vision, and dental benefits to support you and your family
• Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses
• A 401(k) with matching contributions to help you plan for retirement
• Paid time off, including sick leave, vacation, and holidays
• Paid parental leave for growing families
• A Lifestyle Spending Account (LSA) for athletic and wellness expenses
• An employer-sponsored Life and AD&D policy, with options for additional coverage
• A Learning Stipend for professional development activities
• An Employee Assistance Program (EAP) and travel assistance services
• Complimentary snacks and refreshments in the breakroom
• A referral program that rewards you for bringing in top talent
• Company events to connect, celebrate, and grow together

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 $95K - $120K 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