MCA Underwriter

We're collaborating with an established merchant cash advance (MCA) provider to add an Underwriter to their growing team. This role focuses on evaluating small business funding applications, assessing repayment risks, and supporting fast-paced deal approvals. It's an ideal entry point for those new to MCA or seeking stability between roles, with hands-on training on the firm's credit guidelines—no need for prior A/B paper expertise.

Why This Role Matters:
In the high-stakes world of revenue-based financing, underwriters are key to safeguarding capital while enabling business growth. Your decisions will help deploy funding responsibly, minimize defaults, and contribute to a portfolio that's already exceeded $350M in advances, ensuring the company thrives in a competitive market.

Background Strong fits could come from:

• 1-3+ years in underwriting or risk analysis from MCA, small business lending, or related fields like banking/consumer finance (open to non-MCA backgrounds)

• Experience reviewing business financials, bank statements, and repayment capacity

• Steady professionals looking to enter or re-enter the industry, perhaps between opportunities

What You'll Do

• Analyze MCA applications, including revenue trends, credit reports, and business viability

• Conduct merchant reviews to gauge funding fit and risk levels

• Collaborate with a team of 10+ underwriters on daily/weekly deal flows

• Apply the firm's credit box with provided training to structure sustainable advances

• Support portfolio monitoring and risk mitigation in a hybrid office/remote environment

Skills and Competencies Required:

• Analytical mindset for evaluating financial health and default potential

• Comfort with fast decisions in a volume-driven setting

• Integrity and attention to detail in a regulated industry

• Onsite availability in Lakehurst, NJ (with some flexibility for remote after onboarding)

Desired:

• Familiarity with MCA tools like bank statement analysis software

• Ability to thrive in a collaborative team of in-office and remote underwriters

What's In It for You

• Base salary $50K–$80K, based on experience (W2 or 1099 options)

• Annual raises for performance and tenure

• Training and mentorship to build MCA expertise quickly

• Join a stable team in a firm with nationwide reach, offering job security for those transitioning

• Medical benefits and relocation support available for NJ-based candidates

Contact us to learn more about this confidential opportunity and advance your career in revenue-based financing.