Experienced MCA Underwriter

High Rise Capital; New York (NY); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

In-office role

Job summary

High Rise Capital seeks a seasoned Merchant Cash Advance Underwriter to join our New York in-house underwriting team. This senior-level role reviews complex six- and seven-figure files, balancing risk with strategic structuring and pricing decisions.

The ideal candidate has 2+ years direct MCA underwriting, expert bank statement analysis, and proven ability to manage a high-volume workflow in a fast-paced environment, with clear documentation and communication.

Qualifications

• Minimum 2+ years direct MCA underwriting experience.
• Experience underwriting high-risk and stacked files.
• Strong bank statement analysis and debt ratio skills.
• Ability to independently approve, counter, or decline files with clear rationale.
• Excellent documentation and ability to manage high daily volume.

Responsibilities

• Underwrite MCA transactions across all risk tiers and deal sizes.
• Structure and price complex transactions with clear rationale.
• Collaborate with closers, brokers and management to close deals.
• Monitor portfolio performance and adhere to risk controls.

Skills

Bank statement analysis

NSF analysis

Revenue trends

Debt ratios

Holdback calculations

Payment structures

Large-file underwriting

Credit judgment

Documentation discipline

High-volume underwriting

Risk assessment

Deal structuring

Close communication

Tools

CLEAR reports

Personal credit reports

nysef, ct courts

Job description

High Rise Capital is seeking a highly experienced Merchant Cash Advance Underwriter to join our in-house underwriting team in New York.

This is a senior-level position for a disciplined credit professional who understands risk, can structure complex files, and is comfortable underwriting both clean and high-risk transactions at meaningful volume.

We are a direct lender. Our underwriting team makes real decisions that directly impact portfolio performance and capital deployment.

The ideal candidate has substantial experience underwriting MCA transactions across all risk tiers from 30 days to 15 month paper and is comfortable reviewing and structuring six-and seven-figure files. This role requires strong analytical ability, sound credit judgment, and the capacity to manage a demanding workflow in a fast-paced environment.

• Minimum 2+ years of direct MCA underwriting experience
• Proven track record underwriting:
• Clean paper
• HIGH RISK and STACKED FILES

• Experience handling large exposure files (six and seven figures)
• Strong working knowledge of:
• Bank statement analysis
• Negative days / NSFs
• Deposit consistency & revenue trends
• Position stacking and payment structures
• Holdback calculations and debt ratios
• Collectability

• Experience running and analyzing:
• nysef, ct courts
• Personal credit reports
• CLEAR reports

• Ability to independently approve, counter, or decline files with clear rationale
• Strong documentation and file note discipline
• Ability to manage high daily volume without sacrificing accuracy

• Sound risk assessment and structured decision-making
• Strategic thinking — not just file review, but deal structuring
• Efficiency under pressure
• Clear communication with closers, brokers, and management
• Accountability for portfolio performance

We are looking for someone who understands that underwriting is not just about minimizing risk — it is about intelligently pricing and structuring it.

Compensation & Opportunity

• Competitive base salary
• Performance-based bonus structure
• Long-term growth opportunity within a high-volume direct lending platform

In-office role only. Remote candidates will not be considered.