Senior Underwriter

Apex MCA Holdings LLC; Town of Florida (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

A financial services company in New York seeks an experienced Senior Underwriter to make final credit decisions, manage risk, and mentor junior staff. The ideal candidate will have at least 2 years of MCA underwriting experience and strong analytical skills. Responsibilities include structuring deals, evaluating risks, and collaborating with sales teams to ensure efficient deal processing. This position offers competitive compensation with a performance-based bonus structure.

Qualifications

• Minimum 2+ years of direct MCA underwriting experience required.
• Strong understanding of merchant cash advance risk evaluation.
• Proficient in Excel and underwriting systems.
• Strong analytical, organizational, and decision-making skills
• Ability to thrive in a fast-paced, high-volume funding environment
• Proficient in Excel and underwriting systems
• Leadership mindset with ability to mentor junior staff

Responsibilities

• Review complete underwriting files and make final credit decisions.
• Structure deals including approval amounts and terms.
• Collaborate with sales and operations teams to move deals efficiently.
• Assess renewals, refinances, and modification requests
• Provide guidance and oversight to Junior Underwriters
• Collaborate with sales and operations teams to move deals efficiently
• Communicate approval terms and conditions clearly to internal teams and brokers
• Maintain adherence to internal risk guidelines and funding policies
• Assist in refining underwriting policies and credit parameters as the company scales

Skills

MCA underwriting experience

Risk evaluation

Deal structuring

Analytical skills

Leadership mindset

Proficiency in Excel

Tools

Excel

Underwriting systems

Job description

Since ourinception, Apex MCA Holdings has made it our mission to provide a better funding experience for small to mid-market businesses. We understand that traditional capital sources have made it unreasonably difficult for businesses to get the capital needed to remain competitive and vibrant in our modern economy. Therefore, we havesoughtto offer customized opportunities to help businesses evolve. Weaccomplishthis by working closely with clients to look past just numbers and focus on understanding the bigger picture.

Job Description

We areseekingan experienced and decisive Senior Underwriter to join our team. In this role, you willbe responsible formaking final credit decisions, structuring deals, and managing overall risk within our MCA portfolio. You will review prepared files, perform independent risk analysis, and approve, counter, or decline transactions based on company guidelines and risk tolerance.

The Senior Underwriter plays a critical leadership role inmaintainingportfolio quality, driving funding volume, and mentoring junior underwriting staff.

Key Responsibilities

• Review complete underwriting files and make final credit decision
• Structure deals including approval amounts, terms, pricing, and stipulations
• Evaluate bank statements, credit reports, stacking exposure, and overall risk profile
• Assess renewals, refinances, and modification requests
• Provide guidance and oversight to Junior Underwriters
• Collaborate with sales and operations teams to move deals efficiently
• Communicate approval terms and conditions clearly to internal teams and brokers
• Maintain adherence to internal risk guidelines and funding policies
• Assistin refining underwriting policies and credit parameters as the company scales

Qualifications

• Minimum2+ years of direct MCA underwriting experience (required)
• Strong understanding of merchant cash advance risk evaluation and deal structuring
• Deep familiarity with analyzing bank statements, stacking positions, and cash flow trends
• Strong analytical, organizational, and decision-making skills
• Ability to thrive in a fast-paced, high-volume funding environment
• Proficient in Excel and underwriting systems
• Leadership mindset with ability to mentor junior staff

Office Hours

Monday to Thursday: 10:00 am to 6:00 pm

Friday: 10:00 am to 3:00 pm

Compensation and Benefits

• Base Salary: Commensurate with experience
• Performance-based bonus structure tied to volume and portfolio performance