Account Representative, Account Servicing & Collections

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. 

Mulligan Funding is experiencing strong growth and seeks a self-motivated, high-performing Account Representative to join our Account Servicing and Collections Team. As an Account Representative, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance.

• Consistently meet and exceed daily and monthly quotas by diligently working towards collection targets and contributing to the team's overall success.
• Develop genuine relationships with small business owners by understanding their unique situations and showing empathy and support throughout the collections process.
• Actively mitigate Mulligan Funding's monthly losses by employing effective collections strategies and offering creative repayment solutions for clients.
• Utilize exceptional sales and negotiation skills to arrange payment plans and settlements with delinquent merchants, focusing on achieving mutually beneficial outcomes.
• Pre-qualify merchants for workouts and modifications to existing fundings by thoroughly reviewing their financial situation and determining their eligibility for alternative repayment options.
• Conduct comprehensive risk evaluations of merchants by assessing their financial health, credit history, and other relevant factors to determine the likelihood of repayment.
• Provide continuous feedback to our Underwriting and Credit teams on potential trends in our delinquency population, contributing to the ongoing improvement of our risk assessment and management processes.

• A High School Diploma or equivalent; AA or Bachelor's degree preferred.
• A minimum of 2 years' experience collecting commercial debt.
• Comprehensive knowledge of FDCPA, state, and federal laws.
• Advanced skip tracing techniques preferred.
• Exceptional listening and negotiation skills.
• Excellent verbal and written communication skills.
• An ability to multitask during conversations.
• Proficiency in Excel, Word, and Salesforce.
• Strong analytical skills for reviewing bank statements and company P&L.
• Professional demeanor and attitude.

• 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.

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.