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Experienced Merchant Cash Advance (MCA) Underwriter

High Rise Capital · New York, · On-site

  • Bureau à New York
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Description

Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. The ideal candidate must have prior hands-on experience underwriting merchant cash advances or alternative business financing and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions.

  • Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
  • Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
  • Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
  • Review credit reports, business information, and other supporting documentation.
  • Identify potential fraud, inconsistencies, and red flags in submitted applications.
  • Communicate with sales representatives, brokers, and funding partners to obtain additional information.
  • Make timely, well-supported underwriting decisions while maintaining deal quality.
  • Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

Requirements

  • Mandatory prior experience in MCA underwriting.
  • Strong understanding of merchant cash advances and alternative business financing.
  • Proven ability to analyze business bank statements and assess cash flow.
  • Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
  • Ability to identify fraudulent documentation and high-risk transactions.
  • Strong analytical, organizational, and decision-making skills.
  • Ability to work independently in a fast-paced funding environment.
  • Excellent communication skills and attention to detail.

Benefits

  • Health Care Plan (Medical, Dental & Vision)
  • Retirement Plan (401k, IRA)
  • Life Insurance (Basic, Voluntary & AD&D)
  • Paid Time Off (Vacation, Sick & Public Holidays)
  • Family Leave (Maternity, Paternity)
  • Training & Development