Mulligan Funding

You'll take ownership of complex commercial credit decisions, applying advanced financial analysis to evaluate risk and structure deals. You'll work closely with cross-functional partners, playing a key role in maintaining portfolio quality and supporting business growth. This role offers **high autonomy** and a **direct impact on portfolio performance**.

As a Commercial Underwriter II at Mulligan Funding, you'll independently evaluate **commercial loan applications** and apply **sound underwriting judgment** to shape portfolio performance. You'll collaborate across teams, refine your risk assessment skills, and take meaningful ownership of credit decisions in a fast-paced, collaborative environment.

You'll join a **collaborative team** at **Mulligan Funding**, a leading provider of working capital to small businesses. Your core impact is **building genuine relationships** with business owners to arrange repayment solutions and mitigate losses.

You'll **evaluate commercial loan applications** using sound underwriting judgment in a fast-paced lending environment. You'll **make credit decisions daily** while building toward individual approval authority. You'll collaborate with sales and senior credit leaders to **communicate clear, well-supported credit decisions**.

You'll lead execution of AI-enabled initiatives to modernize core lending workflows at a fintech company. You'll own end-to-end delivery plans, coordinate with engineering and data teams, and ensure **safe, scalable deployment** of AI capabilities. This role shapes technical design and **drives operating efficiency** through automation and data.

You'll design the logic behind how AI makes decisions inside real production workflows at a leading provider of working capital. You'll define decision intelligence that directly impacts profitability, **bridging business strategy and applied AI**. This role sits at the intersection of business strategy, risk, and applied AI, **ensuring decision systems are intelligent, calibrated, and economically aligned**.

You'll design and deploy **credit strategies** that balance growth, profitability, and risk for a **leading provider of working capital to SMBs**. You'll partner with Risk, Underwriting, and Engineering teams in a **hybrid work environment** based in San Francisco.

You'll analyze end-to-end customer funnel performance for a **small-business lending portfolio** at a growing fintech company. Your insights will drive **conversion improvements** and reduce customer friction across acquisition, underwriting, and funding stages. This role offers high visibility and cross-functional impact.