Job Requirements
Review and assess the financial health and creditworthiness of businesses applying for merchant cash advances, including the analysis of cash flow, revenue trends, and payment history, in accordance with the Company’s underwriting policies. Conduct thorough due diligence on applicants (e.g. reviewing bank statements, tax returns, credit reports, and other relevant financial documentation.) Utilize financial modeling and data analytics to evaluate the risk profile of each transaction. Determine appropriate funding limits and terms based on creditworthiness, business needs, and risk appetite. Collaborate with the business team to structure deals. Maintain strong documentation and reporting on each deal, ensuring all credit decisions are well supported and comply with company standards. Monitor and assess the performance of funded transactions. Stay informed of market trends and changes in the MCA industry to ensure that the company’s underwriting practices remain competitive and effective. Required Experience & Skills
2-4 years of experience in underwriting, credit analysis, or risk management, preferably within
merchant cash advances
or other small business alternative financing products. Strong understanding of financial statement analysis, including cash flow analysis, revenue trends, and key financial ratios. Demonstrated experience in credit underwriting and risk assessment. Familiarity with Merchant Cash Advances (MCA) and other non-traditional lending instruments.
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Review and assess the financial health and creditworthiness of businesses applying for merchant cash advances, including the analysis of cash flow, revenue trends, and payment history, in accordance with the Company’s underwriting policies. Conduct thorough due diligence on applicants (e.g. reviewing bank statements, tax returns, credit reports, and other relevant financial documentation.) Utilize financial modeling and data analytics to evaluate the risk profile of each transaction. Determine appropriate funding limits and terms based on creditworthiness, business needs, and risk appetite. Collaborate with the business team to structure deals. Maintain strong documentation and reporting on each deal, ensuring all credit decisions are well supported and comply with company standards. Monitor and assess the performance of funded transactions. Stay informed of market trends and changes in the MCA industry to ensure that the company’s underwriting practices remain competitive and effective. Required Experience & Skills
2-4 years of experience in underwriting, credit analysis, or risk management, preferably within
merchant cash advances
or other small business alternative financing products. Strong understanding of financial statement analysis, including cash flow analysis, revenue trends, and key financial ratios. Demonstrated experience in credit underwriting and risk assessment. Familiarity with Merchant Cash Advances (MCA) and other non-traditional lending instruments.
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