Credit Manager

| San Diego, CA, USA | Hybrid
Employer Provided Salary: 125,000-175,000 Annually
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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.

More Information on Mulligan Funding
Mulligan Funding operates in the Financial Services industry. The company is located in San Diego, CA. Mulligan Funding was founded in 2008. It has 159 total employees. To see all 3 open jobs at Mulligan Funding, click here.
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