Senior Credit Analyst

Title: Sr. Credit Analyst

Location: San Diego, CA United States

Work Type: Hybrid, Full Time

Job Description:

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.

The Sr. Credit Analyst is designed for a highly experienced credit professional who brings both strong technical expertise and leadership capability to the underwriting function.

In this role, you will take ownership of complex commercial credit decisions, applying advanced financial analysis and sound judgment to evaluate risk and structure deals. You will work closely with cross functional partners, including Sales and Operations, while playing a key role in maintaining portfolio quality and supporting business growth.

This position is built for someone who is ready to operate at a high level of autonomy and influence. You will lead detailed analysis of financial statements and tax returns, assess business performance through key metrics such as liquidity, profitability, and leverage, and evaluate the impact of guarantors on repayment ability. Your insights will directly inform underwriting decisions on larger and more complex transactions.

What You'll Do

• 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.

What You'll Bring

• A Bachelor's degree in Finance, Business, Economics, Accounting, or a related field.
• Six to eight years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.
• 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.
• A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

Why You'll Love It Here

• You will take meaningful ownership of underwriting decisions that directly impact portfolio performance.
• You will deepen your technical expertise while strengthening your independent judgment.
• You will work alongside experienced credit professionals in a collaborative, accountable environment.
• You will continue building a clear path toward further expert underwriting or leadership opportunities.

We Offer

• Comprehensive medical, vision and dental benefits that give you peace of mind.
• Hybrid work schedule allowing you to split your week between coming into the office and working remotely from home.
• 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.
• Paid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family.
• 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.

$95,000 - $120,000 a year

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.

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.