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.
As a Credit Analyst II, you will play a critical role in evaluating and underwriting small business loan applications. You will partner closely with senior underwriters and cross-functional teams to assess risk, analyze financial performance, and make sound credit recommendations that directly impact our portfolio performance and client experience.
We are experiencing strong growth and continue to invest in both our technology and our people. This role offers meaningful opportunity for an analytical and decisive credit professional who is motivated by impact and ready to contribute in a fast-paced, evolving lending environment.
You will:
Analyze financial statements, tax returns, and business bank statements to assess creditworthiness of commercial loan applicants.
Evaluate liquidity, profitability, leverage, and cash flow trends to determine repayment capacity.
Assess guarantor strength and its impact on overall risk and debt service ability.
Prepare comprehensive credit memorandums summarizing analysis, risk factors, and underwriting recommendations.
Make sound underwriting recommendations aligned with established credit policies and risk parameters.
Collaborate with Sales, Operations, and senior underwriters to communicate credit decisions clearly and efficiently.
Identify risk trends across industries and proactively flag emerging concerns.
Manage a high-volume pipeline while maintaining accuracy, quality, and turnaround standards.
Perform other duties as assigned.
You have:
3+ 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 GAAP and the ability to interpret financial statements and business bank statements with confidence.
Familiarity with the U.S. small business lending landscape and common industry risk profiles.
Excellent analytical and quantitative skills with strong attention to detail.
The ability to make complex credit decisions in a fast-paced, deadline-driven environment.
Strong written and verbal communication skills.
Proficiency in Microsoft Office and Google Workspace, and comfort learning new systems and CRM platforms quickly.
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.
