Credit Analyst I

Mulligan Funding•San Diego, CA

1d•Hybrid

About The Position

The Credit Analyst I position is the foundation of a high growth career in commercial underwriting. This is an entry level opportunity designed for someone analytical, curious, and motivated to build real expertise in financial decision making. You will work closely with experienced credit professionals to learn the fundamentals of financial analysis, risk assessment, and commercial underwriting. From day one, you will contribute to real loan evaluations while developing the discipline, communication skills, and sound judgment required to make confident credit decisions. This role is designed for someone who wants more than just a starting position. You will learn the fundamentals of underwriting, develop disciplined credit judgment through real decision making experience, and grow through collaboration and mentorship, all while helping small businesses access the capital they need to thrive.

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.

Nice To Haves

A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations.

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.