Experienced Merchant Cash Advance (MCA) Underwriter

High Rise Capital; New York (NY); On-site; USD 80,000 - 120,000; Full time

Benefits offered by this job

Health Care Plan (Medical, Dental &amp

Retirement Plan (401k, IRA)

Life Insurance (Basic, Voluntary &

Paid Time Off (Vacation, Sick &

Family Leave (Maternity, Paternity)

Training & Development

Job summary

Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing funding team. The ideal candidate must have hands-on MCA underwriting experience and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make

Qualifications

• Prior MCA underwriting experience required.
• Ability to independently evaluate funding applications.
• Experience reviewing bank statements and cash flow.
• Knowledge of MCA stacking and risk assessment.

Responsibilities

• Evaluate positions, payments, and stacking exposure.
• Assess business risk and repayment ability.
• Determine funding amounts, terms, and risk positions.
• Review credit reports and supporting docs.
• Identify red flags and potential fraud.
• Coordinate with brokers and funding partners.
• Make timely underwriting decisions and maintain deal quality.
• Manage a pipeline and meet turnaround expectations.

Skills

MCA underwriting

Cash flow analysis

Risk assessment

Deal structuring

Fraud detection

Analytical skills

Independent work

Communication skills

Job description

Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. The ideal candidate must have prior hands-on experience underwriting merchant cash advances or alternative business financing and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions.

• Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
• Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
• Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
• Review credit reports, business information, and other supporting documentation.
• Identify potential fraud, inconsistencies, and red flags in submitted applications.
• Communicate with sales representatives, brokers, and funding partners to obtain additional information.
• Make timely, well-supported underwriting decisions while maintaining deal quality.
• Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

• Mandatory prior experience in MCA underwriting.

• Strong understanding of merchant cash advances and alternative business financing.
• Proven ability to analyze business bank statements and assess cash flow.
• Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
• Ability to identify fraudulent documentation and high-risk transactions.
• Strong analytical, organizational, and decision-making skills.
• Ability to work independently in a fast-paced funding environment.
• Excellent communication skills and attention to detail.

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Family Leave (Maternity, Paternity)
• Training & Development