Merchant Cash Advance (MCA) Underwriter / Processor (Onsite NYC)

Job Title: Merchant Cash Advance (MCA) Underwriter / Processor
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.

Tech Breakdown

• 70% Underwriting & Risk Analysis Software

• 30% CRM, Excel, and Data Modeling Tools

Daily Responsibilities

• 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.

You will receive the following benefits:

• 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.