Underwriter - Merchant Cash Advance; MCA Onsite NYC

Job Title:

Underwriter - Merchant Cash Advance (MCA)

Location:

Edison, NJ (Onsite / Hybrid Available)

A fast-growing, dynamic financial services firm specializing in alternative commercial funding is expanding its underwriting operations. The company provides critical, high-volume capital solutions to small and mid-sized businesses nationwide, empowering merchants with efficient liquidity. Known for its agile decision-making and strong market presence, the firm is investing heavily in its risk assessment team to support rapid portfolio growth and sustainable lending practices.

Joining a collaborative, fast-paced risk and operations team, the Merchant Cash Advance Underwriter / Processor will evaluate incoming merchant financial profiles to determine funding eligibility. This position requires a strategic analyst who can carefully evaluate cash flows, bank health, and financial data using advanced software tools to accurately scope deals and mitigate risk. Operating with a high degree of precision, the successful candidate will manage the end-to-end processing workflow, balance risk with deal viability, and work closely with sales teams to facilitate smooth, rapid funding originations.

• 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.
• Background in fraud prevention, transaction anomaly detection, or portfolio risk 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.
• Relevant educational background in Finance, Accounting, Economics, or a related field.

Tech Breakdown

• 70% Underwriting & Risk Analysis Software
• 30% CRM, Excel, and Data Modeling Tools

Daily Responsibilities

• 60% Hands-On Underwriting & Deal Structuring
• 20% Fraud Detection & Portfolio Risk Monitoring
• 20% Team Collaboration & Sales Pipeline Alignment

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

• Medical, Dental, and Vision Insurance
• Paid Vacation Time
• Fast-track operational growth opportunities

Applicants must be currently authorized to work in the US on a full-time basis now and in the future.