Mulligan Funding
Financial Services
CreditAnalystII
Neural analysis suggests this role is
optimal for Mid candidates.
“Credit Analyst II at Mulligan Funding. Skills: Credit analysis, Underwriting, Risk assessment. Analyze financial documents. Analyze bank statements”
What You'll Achieve.
Contribute to portfolio performance; Strengthen decision making authority
Industry & Context.
Analytical thinking; Decision making
What They're Looking For.
Must Have
Bachelor's degree in Finance, Business, Economics, or Accounting, Four to six years of experience in finance, banking, accounting, underwriting, or analytical environment, Working knowledge of financial statement analysis, Analytical thinking, Quantitative skills, Attention to detail, Clear written communication skills, Clear verbal communication skills
Nice to Have
Experience in small business lending, Experience in commercial lending, Confidence presenting underwriting rationale
What You'll Do.
Analyze financial documents
Analyze bank statements
Evaluate creditworthiness
Assess business financial health
Analyze key financial metrics
Analyze credit reports
Identify credit risks
Assess guarantor impact
Prepare underwriting recommendations
Make credit decisions
Communicate underwriting decisions
How You'll Work.
Team & Collaboration
Collaborate with Sales; Collaborate with Operations; Collaborate with credit leaders; Communicate with stakeholders
Communication Scope
Written communication; Verbal communication; 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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