Job Title: Underwriter - Merchant Cash Advance (MCA)
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.
Required Skills & Experience - 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.
Desired Skills & Experience - 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.
What You Will Be Doing 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
The Offer - 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.
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