Credit Analyst II

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 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. Performs 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. $36.06 - $45.67 an hour 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. 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. #J-18808-Ljbffr