Credit Analyst I

United States·San DiegoFull-timemid

Finance & AccountingCredit Analyst

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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 Credit Analyst I position is the foundation of a high growth career in commercial underwriting. This is an entry level opportunity designed for someone analytical, curious, and motivated to build real expertise in financial decision making.

You will work closely with experienced credit professionals to learn the fundamentals of financial analysis, risk assessment, and commercial underwriting. From day one, you will contribute to real loan evaluations while developing the discipline, communication skills, and sound judgment required to make confident credit decisions.

This role is designed for someone who wants more than just a starting position. You will learn the fundamentals of underwriting, develop disciplined credit judgment through real decision making experience, and grow through collaboration and mentorship, all while helping small businesses access the capital they need to thrive.

Perform financial analysis on commercial loan applicants, reviewing business financial statements to evaluate liquidity, profitability, leverage, and overall financial health.

Analyze personal and business credit reports to identify risk indicators and assess guarantor strength.

Prepare concise underwriting summaries and recommendations aligned with company credit policies.

Make multiple credit decisions per day while building toward individual approval authority.

Develop knowledge of pricing, structuring, and stipulations based on risk profile.

Collaborate with senior analysts and internal stakeholders to communicate credit decisions clearly and efficiently.

Continuously build expertise in Mulligan Funding’s products, underwriting framework, and risk philosophy.

A Bachelor’s degree in Finance, Business, Economics, Accounting, or a related field.

Zero to two years of experience in finance, banking, accounting, underwriting, or a similar analytical environment.

Strong analytical thinking skills and attention to detail.

Comfort working with financial data and learning new systems quickly.

Clear written and verbal communication skills.

A growth mindset and desire to develop into a more advanced credit professional.

A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

You will gain real responsibility early in your career and see the direct impact of your decisions.

You will receive hands-on training from experienced underwriting leaders who are invested in your development.

You will build a strong technical foundation that can lead to Credit Analyst II and beyond.

You will work in a collaborative environment that values accountability, learning, and continuous improvement.

Comprehensive medical, vision and dental benefits that give you peace of mind.

Flexible hybrid work model that gives you the best of both worlds, with meaningful in office collaboration and the freedom to work 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.

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.