Title: Commercial Underwriter II Location: San Diego, CA, United States Full-time Hybrid Job Description: Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) 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. The Commercial Underwriter II position is built for a credit professional who has developed strong technical fundamentals and is ready to take on greater ownership and impact. In this role, you will independently evaluate commercial loan applications, apply sound underwriting judgment, and contribute meaningfully to portfolio performance. You will collaborate closely with Sales, Operations, and senior credit leaders while refining your ability to assess risk, structure deals, and communicate clear, well supported credit decisions. This role is designed for someone who wants to deepen their expertise. You will apply disciplined credit analysis, strengthen your decision making authority, and continue developing advanced underwriting judgment in a fast paced lending environment that values accountability and collaboration. What You'll Do - Perform routine analysis of financial documents and bank statements to evaluate the creditworthiness of commercial loan applicants. - Assess the financial health of businesses by analyzing key financial metrics, such as cash flows, liquidity, profitability, and leverage. - Analyze personal and business credit and background reports to identify credit risks associated with commercial loan applicants. - Assess the impact of the guarantor on the company's ability to service debt. - Prepare a brief statement based on established criteria and policies summarizing underwriting recommendations for commercial loan decisions. - Make multiple credit decisions per day while building toward individual approval authority. - Possess a well-rounded knowledge of pricing, structuring, and stipulations based on risk profile. - Collaborate with colleagues to communicate underwriting decisions to internal stakeholders and provide information. - Demonstrate a comprehensive understanding of market dynamics. What You'll Bring - A Bachelor's degree in Finance, Business, Economics, Accounting, or a related field. - Four to six years of experience in finance, banking, accounting, underwriting, or a similar analytical environment. - Experience working within small business and/or commercial lending is highly desirable. - Strong working knowledge of financial statement analysis and the ability to interpret complex financial data with confidence. - Understanding of small business lending dynamics and common industry risk considerations. - Strong analytical thinking and quantitative skills with attention to detail. - Ability to make complex credit decisions in a deadline driven environment. - Clear written and verbal communication skills and confidence presenting underwriting rationale. - A cover letter is highly encouraged, as it gives us greater insight into your experience and career aspirations. Why You'll Love It Here - You will take meaningful ownership of underwriting decisions that directly impact portfolio performance. - You will deepen your technical expertise while strengthening your independent judgment. - You will work alongside experienced credit professionals in a collaborative, accountable environment. - You will continue building a clear path toward senior underwriting or leadership opportunities. We Offer - Comprehensive medical, vision and dental benefits that give you peace of mind. - Hybrid work schedule allowing you to split your week between coming into the office and working 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. $36.06 - $49.95 an hour A reasonable estimate of the salary range for this role is $36.06 to $45.67 per hour. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications. 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. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Role Description This position supports the FP&A Director in driving key financial planning processes, including budgeting and forecasting, long-term planning, internal reporting, and strategic analysis, while delivering analytics and business support that inform executive decision-making. The role offers direct visibility to senior leadership, including the CFO and CEO, and serves as a cross-functional partner to teams across the organization. Responsibilities - Support the development and maintenance of Rebag’s financial reporting, including but not limited to the annual budget, monthly forecast, and monthly/quarterly business reviews. - Maintain the company’s financial model, including running “what-if” scenarios, evaluating potential issues, recommending potential solutions and modelling new initiatives or modules. - Prepare daily liquidity and collateral reporting, including cash, accounts receivable, and inventory balances, to support capital deployment decisions. - Support month-end close by reforecasting, calculating, and reporting on sales, promotions, marketing, retail commissions, and other key business metrics. - Assist in the creation and review of presentations and detailed financial analyses for senior management, board of directors, and external capital partners. - Ensure documentation of all FP&A processes are updated and work with project teams on the documentation of new enhancements. - Work with Tech team to validate metrics and underlying data of SQL-based business reporting. - Assist in ad-hoc project work. Qualifications - Bachelor's degree in Finance, Economics, or a related field strongly preferred. - 2-3 years of professional experience in financial reporting and analysis, forecasting, budgeting, and planning. - Prior experience in a startup or high-growth environment is strongly preferred; background in DTC, retail, e-commerce, or consumer goods is a plus. - Proficiency in financial analysis methods and concepts to prepare forecasts, cash flows and perform analyses. - Ability to analyze and extract data from databases, build dynamic tables, and generate accurate reports to support financial analysis, forecasting, budgeting, and decision-making. - Thrives in a fast-paced environment and managing multiple projects simultaneously. - Ability to engage and build communication across teams. - Ability to clearly articulate and present ideas both in written and oral presentations. - Advanced Excel and PowerPoint skills required. - Looker skills are highly valued, including the ability to create, maintain, and interpret dashboards, dynamic reports, data visualizations, and business intelligence insights to support financial planning and decision-making. - Ability to operate fully remotely and digitally. - Ability to work from home in a professional and rigorous way. - Perfect English in both verbal and written communications. - Long term commitment and willingness to grow with the company. Requirements - Please note that your resume must be in English to be considered.

• Function as first-level support for client’s end users, networks, and server issues. • Troubleshoot software, hardware, and operating system issues. • Create detailed documentation of issues. • Take incoming phone calls and emails from clients experiencing issues. • Provide empathic customer support in a courteous and friendly manner. • Resolve or escalate issues per clients Service Level Agreements. • Maintain professional communication and demeanor. • Escalate higher-level issues to appropriate resources for in-depth investigation. • Advise management of required updates or corrections to Wiki/KB. • Stay abreast of advances in technologies and further education in emerging technologies.

• Function as first-level support for client’s end users, networks, and server issues. • Troubleshoot software, hardware, and operating system issues. • Create detailed documentation of issues. • Take incoming phone calls and emails from Core BTS clients experiencing issues. • Provide empathic customer support in a courteous and friendly manner. • Timely resolve or escalate issues per clients Service Level Agreements. • Maintain professional communication and demeanor. • Escalate higher-level issues to appropriate resources for in-depth investigation. • Communicate (verbal and written) with engineers on shift to ensure tickets are addressed. • Handle incidents according to Wiki/KB documentation. • Advise management of required updates or corrections to Wiki/KB. • Stay abreast of advances in technologies and further education in emerging technologies.