Hybrid Credit Analyst I

at Mulligan Funding, LLC

• Job title: Credit Analyst I
• Job type: Full Time
• Experience level: Junior
• Salary: $29 - $39 per hour
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, San Diego, United States

About the role

• The Credit Analyst I position at Mulligan Funding involves analyzing financial data for loan evaluations. This is an entry-level role offering hands-on experience in commercial underwriting.

Responsibilities

• 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.

Requirements

• 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.

Benefits

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