Experienced MCA Underwriter

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

Benefits offered by this job

Competitive base salary

Performance-based bonus

Long-term growth opportunities

Job summary

High Rise Capital in New York invites a senior Merchant Cash Advance Underwriter to join our in-house team. You will assess complex MCA transactions, structure deals across risk tiers, and price thoughtfully to optimize portfolio performance.

The role requires a disciplined credit professional with experience handling six- and seven-figure exposures, a proven track record on high-risk files, and the ability to manage a demanding daily volume while maintaining thorough documentation.

Qualifications

• 2+ years direct MCA underwriting experience.
• Proven track record underwriting high-risk and stacked files.
• Experience handling six- and seven-figure exposure.
• Strong bank statement analysis and revenue trend skills.
• Ability to independently approve, counter, or decline files with clear rationale.
• Excellent documentation and file-note discipline.

Responsibilities

• Underwrite MCA transactions and structure deals for risk-adjusted pricing.
• Review large exposure files and manage the workflow in a high-volume environment.
• Provide clear rationale for decisions to closers, brokers, and management.
• Collaborate with internal teams to ensure file completeness.
• Maintain accurate documentation and file notes.

Skills

MCA underwriting

High-risk files

Large exposures

Bank statements

NSF analysis

Revenue trends

Credit reports

CLEAR reports

Deal structuring

Documentation discipline

Job description

Proven track record underwriting:

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.

Requirements

• 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

Benefits

• 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.