Underwriter (Intermediate)

Bridgecap Financial; Toronto; Hybrid; CAD 70,000 - 75,000; Full time

Benefits offered by this job

Competitive base salary

Bonus program

Hybrid work model

Job summary

Bridgecap Financial in Toronto, ON is seeking an Intermediate Underwriter to own files from submission to pricing. You will review bank statements, credit, cash flow, and existing positions, price offers, and spot fraud. You will work directly with our CO0, using AI tools and a CRM to streamline analysis and funding decisions. This mid-level role emphasizes hands-on underwriting and structure over team management.

Qualifications

• 2–5 years in underwriting or related finance roles.
• Experience with MCA or alternative lending is a strong plus.
• Strong numerical, cash flow and risk assessment skills.
• Adept with new systems and AI tools.

Responsibilities

• Underwrite merchant cash advance and business funding files end to end.
• Review bank statements, credit, cash flow and existing positions.
• Price and structure offers within credit guidelines.
• Spot fraud, stacking and red flags before funding.
• Communicate decisions and stipulations to ISO partners clearly.
• Use AI tools and CRM to speed up analysis and improve processes.

Skills

Underwriting

Credit analysis

Commercial lending

Financial risk

AI tools usage

Tools

CRM software

Job description

Title: Underwriter (Intermediate), Alternative Finance / Merchant Cash Advance

Location: Toronto, ON [in-office / hybrid]

Description:

Bridgecap Financial Ontario Ltd funds small and mid-sized businesses across Canada. We are growing and need an underwriter who can own files from submission to pricing.

This is a mid-level role. You will not be learning what a bank statement is, and you will not be managing a team. You will underwrite and price deals every day, working directly with our COO.

What you will do

• Underwrite merchant cash advance and business funding files end to end
• Review bank statements, credit, cash flow, and existing positions
• Price and structure offers within our credit guidelines
• Spot fraud, stacking, and red flags before funding
• Communicate decisions and stipulations to ISO partners quickly and clearly
• Use AI tools and our CRM to speed up analysis and improve the process

What you bring

• 2 to5 years in underwriting, credit analysis, commercial lending, or a related finance role
• MCA or alternative lending experience is a strong plus
• Strong comfort with numbers, cash flow, and risk
• Fluent with technology. You pick up new systems fast.
• You already use AI tools in your work and want to do more with them
• Sound judgment and the confidence to make a call

Compensation

• Base salary: $70,000 to $75,000 CAD
• Bonus plan starting at month 6, tied to funding volume
• Total earnings can exceed $105,000 CAD

This posting is for an existing vacancy.