Experienced MCA Underwriter

High Rise Capital is seeking a highly experienced Merchant Cash Advance Underwriter to join our in-house underwriting team in New York.

This is a senior-level position for a disciplined credit professional who understands risk, can structure complex files, and is comfortable underwriting both clean and high-risk transactions at meaningful volume.

We are a direct lender. Our underwriting team makes real decisions that directly impact portfolio performance and capital deployment.

The ideal candidate has substantial experience underwriting MCA transactions across all risk tiers from 30 days to 15 month paper and is comfortable reviewing and structuring six- and seven-figure files. This role requires strong analytical ability, sound credit judgment, and the capacity to manage a demanding workflow in a fast-paced environment.

• Minimum 2+ years of direct MCA underwriting experience
• Proven track record underwriting:
  • Clean paper
  • High-risk and stacked files
• Experience handling large exposure files (six and seven figures)
• Strong working knowledge of:
  • Bank statement analysis
  • Negative days / NSFs
  • Deposit consistency & revenue trends
  • Position stacking and payment structures
  • Holdback calculations and debt ratios
  • Collectability
• Experience running and analyzing:
  • nysef, ct courts
  • Personal credit reports
  • CLEAR reports
• Ability to independently approve, counter, or decline files with clear rationale
• Strong documentation and file note discipline
• Ability to manage high daily volume without sacrificing accuracy

• Sound risk assessment and structured decision-making
• Strategic thinking — not just file review, but deal structuring
• Efficiency under pressure
• Clear communication with closers, brokers, and management
• Accountability for portfolio performance

We are looking for someone who understands that underwriting is not just about minimizing risk — it is about intelligently pricing and structuring it.

• Competitive base salary
• Performance-based bonus structure
• Long-term growth opportunity within a high-volume direct lending platform

In-office role only. Remote candidates will not be considered.

Qualified candidates should submit a resume along with a brief summary of underwriting experience and typical file size handled. IF YOU DONT HAVE EXPIRENCE DONT APPLY