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.

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

• 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.