Credit Manager

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($5K - $2M) 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.

We are in search of a Credit Manager to lead one of our teams of 5-8 Credit Analysts, ensuring excellence in our underwriting processes and the quality of our team's output. This role involves direct mentorship of analysts with varying levels of expertise, hands-on involvement in underwriting significant deals, and close collaboration with senior management to develop and refine credit strategies and policies. Ideal candidates will have a strong background in financial analysis and a proven track record of leadership. If you're looking for an opportunity to leverage your expertise in a role that blends team management with strategic financial decision-making, we welcome you to apply. Join us in driving our credit operations forward.

You will:

• Evaluate and make decisions on credit applications, setting appropriate credit limits and terms based on comprehensive risk assessments.
• Lead, motivate, and develop a high-performing credit team, ensuring that there is a strong culture of high standards and continuous improvement.
• Provide insights and recommendations to senior management regarding overall credit risk exposure and financial strategies.
• Conduct comprehensive analyses of commercial credit applications, evaluating financial data, industry trends, and market conditions to determine creditworthiness.
• Collaborate with senior management to develop and update credit policies and procedures. 
• Prepare credit reports summarizing findings and underwriting recommendations for commercial loan decisions.
• Ensure adherence to regulatory requirements and industry best practices.
• Present, defend, and decide on credit proposals to the Credit Committee, offering well-supported recommendations for loan approvals, modifications, or declines.
• Performs other duties as assigned.

You have:

• A Bachelor’s Degree in Business, Finance, Accounting, Economics, or a related field from a renowned university. An MBA or similar advanced degree is highly preferred.
• At least 5 years of experience in commercial lending, with a proven track record in managing complex, high-value transactions.
• At least 2 years of experience in managing underwriters of various proficiency levels.
• Expertise in credit analysis, loan structuring, and the restructuring of troubled loans.
• Strong capability in mentoring and developing junior underwriting staff.
• Proficiency in Microsoft Office and CRM systems, like Salesforce.
• Excellent strategic planning, communication, and relationship-building skills.

We offer:

• 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.

To ensure a comprehensive integration into our team and company culture, there is a requirement to complete 60 days of onsite work before transitioning to a hybrid work arrangement. After this period, and contingent upon satisfactory performance, you will be eligible to discuss a hybrid work schedule in accordance with our company policies.

Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.