Mulligan Funding
Financial Services
CommercialUnderwriterII
Neural analysis suggests this role is
optimal for Mid candidates.
“Commercial Underwriter II at Mulligan Funding. Skills: Commercial lending, Credit analysis, Risk assessment. Perform routine analysis of financial documents. Analyze bank statements”
What You'll Achieve.
Contribute meaningfully to portfolio performance; Strengthen decision making authority; Develop advanced underwriting judgment
Industry & Context.
Analytical thinking; Quantitative skills
What They're Looking For.
Must Have
Bachelor's in Finance, Bachelor's in Business, Bachelor's in Economics, Bachelor's in Accounting, 4-6 years finance experience, 4-6 years banking experience, 4-6 years accounting experience, 4-6 years underwriting experience, Working knowledge financial statement analysis, Ability to interpret complex financial data, Understanding small business lending dynamics, Understanding common industry risk considerations, Analytical thinking skills, Quantitative skills, Attention to detail, Ability to make complex credit decisions, Clear written communication skills, Clear verbal communication skills, Confidence presenting underwriting rationale
Nice to Have
Experience in small business lending, Experience in commercial lending
What You'll Do.
Perform routine analysis of financial documents
Analyze bank statements
Evaluate creditworthiness of applicants
Assess financial health of businesses
Analyze key financial metrics
Analyze personal credit reports
Analyze business credit reports
Identify credit risks
Assess impact of guarantor
Prepare statement of underwriting recommendations
Make multiple credit decisions per day
Build toward individual approval authority
Communicate underwriting decisions
Provide information to stakeholders
How You'll Work.
Team & Collaboration
Collaborate with Sales; Collaborate with Operations; Collaborate with senior credit leaders; Collaborate with colleagues
Communication Scope
Presenting underwriting rationale
Full Job Description
## 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 Credit Analyst II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact. In this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions. This role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration. ## What You'll Do Perform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants. Assess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage. Analyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants. Assess the impact of the guarantor on the company’s ability to service debt. Prepare a brief statement based on established criteria and p
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