Sr.CreditAnalyst

## 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 risk