M
Mulliganfunding5mo ago
USD 95000–120000/yr

Senior Credit Analyst

United StatesSan DiegoFull-timesenior
Finance & AccountingOtherCredit Analyst
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Quick Summary

Overview

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,

Technical Tools
Finance & AccountingOtherCredit Analyst
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 Sr. Credit Analyst, you will leverage your experience and expertise by working closely with junior credit analysts, passing on your knowledge in credit analysis, risk assessment, and credit decision-making. Your role will encompass comprehensive credit risk assessment, policy development, portfolio management, and collaboration with cross-functional teams.
  • 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.
  • 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.
  • Medical, vision, and dental benefits to support you and your family.
  • Flexible Spending Accounts (FSA) for eligible healthcare and dependent care expenses.
  • A 401(k) with matching contributions to help you plan for retirement.
  • Paid time off, including sick leave, vacation, and holidays.
  • Paid parental leave for growing families.
  • A Lifestyle Spending Account (LSA) for athletic and wellness expenses.
  • An employer-sponsored Life and AD&D policy, with options for additional coverage.
  • A Learning Stipend for professional development activities.
  • An Employee Assistance Program (EAP) and travel assistance services.
  • Complimentary snacks and refreshments in the breakroom.
  • A referral program that rewards you for bringing in top talent.
  • Company events to connect, celebrate, and grow together.

    • Listing Details

    Posted
    November 11, 2025
    First seen
    March 26, 2026
    Last seen
    April 24, 2026

    Posting Health

    Days active
    29
    Repost count
    0
    Trust Level
    37%
    Scored at
    April 25, 2026

    Signal breakdown

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    Senior Credit AnalystUSD 95000–120000
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