Account Representative

Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital ($10K - $10M) 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. In this role, you will build and foster relationships with business owners who have borrowed from Mulligan Funding and require repayment assistance. Financial roadblocks happen—our job is to build the bridge over them. You won't just collect payments; you’ll analyze business finances, partner with clients facing tough times, and engineer win-win repayment strategies while earning through an aggressive commission plan. You will: Manage and strategically service an assigned portfolio of delinquent commercial loan accountsConduct proactive, high-impact outreach to negotiate realistic repayment structures, debt workouts, and settlementsUtilize advanced skip-tracing tools and investigative techniques to locate hard-to-reach accounts and uncover new contact channelsLeverage Salesforce CRM and specialized Credit & Collections software to track portfolio performance and document strategic account plansUncover the root causes of financial delinquency and deliver creative, custom-tailored repayment plans that restore accounts to good standingPartner closely with internal risk, operations, and compliance teams to ensure strategies meet both business goals and regulatory standards You have: 2+ years of proven success in collections, credit resolution, or financial servicesHigh School Diploma or GED requiredProficiency with Salesforce CRM and specialized Credit & Collections softwareStrong MS Excel skills to organize, filter, and analyze portfolio metricsHands-on expertise in outbound collection calling and skip-tracing methodologiesExceptional communication, high-stakes negotiation, active listening, and conflict resolution skillsHigh emotional intelligence and natural empathy to navigate sensitive financial conversations while maintaining firm business boundariesStrong analytical mindset, critical thinking, and creativity to design custom debt resolution plansHigh adaptability, strong organizational skills, and precise time management to balance portfolio priorities in a fast-paced environmentA collaborative mindset to work effectively alongside internal teams and clients We offer: Comprehensive medical, vision and dental benefits that give you peace of mindFlexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expensesA fantastic 401K with matching contributions that helps you plan for retirement and build wealth over timeGenerous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy lifeA gym membership contribution that supports your well-being, and helps you stay energized and focusedAn internal referral program that rewards you for bringing talented people to the teamCompany 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. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. 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. A reasonable estimate of the hourly range for this role is $24.42 to $31.83. With this position, there is also additional earning opportunity that will be discussed upon receiving an offer of employment. 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.