Experienced MCA Underwriter
Infusion Capital, New York, NY, United States
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
Competitive base salary
Performance‑based bonus structure
Long‑term growth opportunity within a high‑volume direct lending platform
What We Value
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
In‑office role only. Remote candidates will not be considered.
Qualified candidates should submit a resume along with a brief summary of underwriting experience and typical file size handled. IF YOU DONT HAVE EXPERIENCE DONT APPLY
#J-18808-Ljbffr
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
Competitive base salary
Performance‑based bonus structure
Long‑term growth opportunity within a high‑volume direct lending platform
What We Value
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
In‑office role only. Remote candidates will not be considered.
Qualified candidates should submit a resume along with a brief summary of underwriting experience and typical file size handled. IF YOU DONT HAVE EXPERIENCE DONT APPLY
#J-18808-Ljbffr