Underwriter - Merchant Cash Advance (MCA) - (Onsite NYC)

About the role

The fast-growing financial services firm is expanding its underwriting operations to support rapid portfolio growth and sustainable lending practices. The Merchant Cash Advance Underwriter / Processor will evaluate incoming merchant financial profiles to determine funding eligibility, managing the end-to-end processing workflow, balancing risk with deal viability, and working closely with sales teams to facilitate smooth, rapid funding originations.

Responsibilities

• Evaluate incoming merchant financial profiles to determine funding eligibility
• Manage the end-to-end processing workflow
• Balance risk with deal viability
• Work closely with sales teams to facilitate smooth, rapid funding originations
• Perform hands-on underwriting and deal structuring
• Conduct fraud detection and portfolio risk monitoring
• Collaborate with the sales pipeline

Requirements

• Minimum 1 year of dedicated underwriting experience within the Merchant Cash Advance (MCA) industry
• Strong mastery of financial concepts, specifically cash flow analysis, bank statement evaluation, and risk mitigation
• Advanced capability to interpret complex financial data and perform precise quantitative analysis
• Prior experience utilizing specialized financial software tools for data collection and credit modeling
• Strong negotiation skills with the ability to structure competitive deal terms while protecting company risk appetite
• Familiarity with commercial loan processing, mortgage servicing, or tax analysis is a major plus

Qualifications

• Relevant educational background in Finance, Accounting, Economics, or a related field

Skills

• Strategic analysis
• Cash flow analysis
• Bank statement evaluation
• Risk mitigation
• Advanced software tools for data collection and credit modeling
• Negotiation skills
• Commercial loan processing, mortgage servicing, or tax analysis

Benefits

• Base salary: $68,000–$80,000 annually (flexibility to go higher based on experience)
• Professional development assistance
• Employee assistance program
• Paid volunteer time off

Pay

$68,000–$80,000 annually (flexibility to go higher based on experience)

Schedule

Onsite / Hybrid Available