Underwriter - Merchant Cash Advance; MCA Onsite NYC

Position: Underwriter - Merchant Cash Advance (MCA) - (Onsite NYC)
$68000 - $80000

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* Job Title:

** Underwriter - Merchant Cash Advance (MCA)

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* 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.

** Required Skills & Experience*
* + 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.

** Desired Skills & Experience*
* + 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.

** What You Will Be Doing*
* 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

** The Offer*
* + Base Salary: $68,000-$80,000 annually (Flexibility to go higher based on experience).

+ Professional development assistance.

+ Employee assistance program.

+ Paid volunteer time off.

** You will receive the following benefits:*
* + 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.