Credit Analyst I

Summary

The job is for a Credit Analyst I at Mulligan Funding in San Diego. The role involves financial analysis, risk assessment, and credit decision-making. The candidate should have relevant experience and a Bachelor's degree. Benefits include comprehensive health insurance, retirement benefits, paid time off, remote work opportunities, life and disability insurance, bonuses and incentives, professional development opportunities, wellness programs, family and parental leave, and equal employment opportunities.

Requirements

• At least one year of hands-on experience in underwriting or credit analysis; preferably 2-3 years within the industry
• A Bachelor's degree, preferably in business, finance, accounting, economics, or a related discipline

Responsibilities

• Perform cursory analysis of financial documents to evaluate the creditworthiness of commercial loan applicants
• Learn to assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage
• Analyze personal and business credit reports to identify credit risks associated with commercial loan applicants
• Prepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions
• Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information
• Assess the impact of the guarantor on the company’s ability to service debt

Benefits

• Comprehensive medical, vision and dental benefits
• Flexible Spending Accounts (FSA)
• A fantastic 401K with matching contributions
• Generous sick, vacation, and holiday benefits
• A gym membership contribution
• An internal referral program
• Company events