MCA Underwriter

A rapidly expanding alternative finance organization specializing in merchant cash advance and revenue-based funding solutions is seeking an experienced MCA Deal Pricer / Underwriter to join its growing team. The company has built a strong reputation within the alternative lending space by providing fast, strategic capital solutions to small and mid-sized businesses across a wide range of industries including transportation, retail, healthcare, construction, hospitality, e-commerce, and professional services.

With a consistent flow of inbound business, established broker and ISO relationships, and an aggressive growth trajectory, the organization continues to scale its operations while maintaining a highly entrepreneurial and performance-driven culture.

The company operates in a fast-moving, high-volume environment where speed, precision, and intelligent risk assessment are critical to success. Leadership is focused on building a team of elite professionals who understand the nuances of the MCA industry and can contribute at a high level from day one. This is not a traditional underwriting environment — the team values sharp instincts, analytical thinking, strong judgment, and the ability to make strategic funding decisions quickly and confidently.

The organization is prepared to invest heavily in the right person and is willing to offer an extremely competitive compensation package to secure top-tier talent with proven MCA underwriting and deal pricing experience.

This role is ideal for a highly experienced Merchant Cash Advance Underwriter who understands how to evaluate complex files, identify opportunity within risk, and structure profitable deals in a competitive marketplace. The individual stepping into this position will play a direct role in funding decisions, portfolio quality, and overall company growth. You will work closely with sales leadership, brokers, and decision-makers while handling a substantial volume of submissions and helping shape deal strategy in real time.

The right candidate will be confident operating in a high-performance office environment where efficiency, accountability, and production are highly valued.

• Review and analyze merchant cash advance submissions, including bank statements, processing reports, applications, and supporting financial documentation
• Assess overall deal risk, cash flow trends, negative days, daily balances, NSF activity, existing positions, and business performance indicators
• Structure and price MCA deals based on risk tolerance, profitability targets, and portfolio strategy
• Make approval, counteroffer, decline, and stipulation decisions efficiently and accurately
• Evaluate stacking exposure, renewal opportunities, industry trends, and merchant payment behaviors
• Work closely with sales teams, brokers, and leadership to negotiate and finalize deal structures
• Maintain strong turnaround times while ensuring sound underwriting judgment
• Identify fraud concerns, inconsistencies, and high-risk indicators within files
• Assist in refining underwriting policies, pricing models, and risk assessment strategies
• Monitor portfolio quality and provide feedback on funded deal performance trends
• Handle high deal volume while maintaining attention to detail and decision quality

• 3+ years of experience underwriting and pricing Merchant Cash Advance deals
• Strong understanding of MCA risk analysis, deal structuring, and pricing methodology
• Ability to read and interpret bank statements quickly and accurately
• Experience reviewing daily/weekly payment structures, stacked positions, and merchant cash flow patterns
• Proven ability to make fast, confident funding decisions in a high-volume environment
• Strong knowledge of the alternative lending and MCA space
• Experience working with brokers and ISO relationships preferred
• Excellent analytical, organizational, and communication skills
• Ability to thrive in a fast-paced, highly performance-driven office environment
• Highly detail-oriented with strong business and financial acumen
• Experience with underwriting platforms, CRM systems, and MCA processing systems preferred

• $150,000 - $250,000 total compensation potential, based on experience and performance
• Highly competitive compensation package designed to attract top-tier MCA underwriting talent
• Company is prepared to match or exceed current compensation for the right candidate
• Opportunity to play a major role within a rapidly growing funding organization
• Long-term growth potential with direct exposure to leadership and strategic decision-making
• Full-time, in-office position in Secaucus, NJ