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.

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

Comprehensive medical, vision and dental benefits that give you peace of mind.
Flexible hybrid work model that gives you the best of both worlds, with meaningful in office collaboration and the freedom to work remotely from home.
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.
Paid parental leave to support new and expecting parents, helping offset time away from work as you welcome and care for your growing family.
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.

Credit Analyst

Key skills