Senior Credit Analyst at Mulligan Funding

San Diego, California, United States

Apply Now

Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Lending, FintechIndustries

Requirements

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

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
Performs other duties as assigned

Skills

Credit Analysis

Risk Assessment

Financial Statement Analysis

Tax Returns Analysis

Liquidity Analysis

Profitability Analysis

Leverage Analysis

Underwriting

Portfolio Management

Credit Reports

Credit Committee Presentation

Mulligan Funding

Provides working capital loans to businesses

About Mulligan Funding

Mulligan Funding provides working capital loans specifically designed for small and medium-sized businesses in the United States. Their loans help business owners manage cash flow, expand operations, or cover unexpected expenses. The loan process is straightforward, allowing for quick approvals and flexible repayment options, which is a significant advantage over traditional banks that often have lengthy procedures. Mulligan Funding assesses the creditworthiness of applicants using both technology and human expertise, enabling them to offer competitive rates tailored to the unique needs of each business. The company's goal is to build long-term relationships with clients by providing reliable financial assistance that supports their growth and success.

San Diego, CaliforniaHeadquarters

2008Year Founded

$15MTotal Funding

SERIES_ACompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Health Savings Account/Flexible Spending Account

401(k) Retirement Plan

401(k) Company Match

Paid Vacation

Paid Sick Leave

Parental Leave

Gym Membership

Employee Referral Bonus

Company Social Events

Risks

Increased competition from fintech companies could erode their market share.

Rising interest rates may reduce demand for their loan products.

Economic downturns could increase default rates, impacting profitability.

Differentiation

Mulligan Funding offers a personalized service with direct access to financing experts.

They provide quick approval and funding, often within 1-2 business days.

Their focus is on small to medium-sized businesses with unique financial needs.

Upsides

Partnerships with fintech companies expand their reach and accessibility through digital platforms.

Increased demand for alternative lending as traditional banks tighten lending criteria.

Growing trend of small businesses seeking quick and flexible financing options.

Land your dream remote job 3x faster with AI

Try Jobo Free