I believe the above is on the right track, except the condenser coil is the outdoor coil (probably not producing the indoor smell), which needs to be clean to operate efficiently and the indoor coil is called the evaporator coil which may be where the mildew is happening. Probably would be a good idea to clean both coils. Just be sure the coil cleaner used is either safe to be used on aluminum fins (non acid), or at least you can be sure it is rinsed well shortly after use, otherwise it may eat away at the aluminum fins. I would think you should be able to follow the instructions on the product you purchase. I have seen some cleaners advertised as evaporator coil cleaner, which supposedly you could just spray on, then depend upon the condensate to wash it away.