Experienced MCA Underwriter
- Location
- New York, New York, United States
- Work mode
- On-site
- Employment type
- Full-time
About the job
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
- 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
• Sound risk assessment and structured decision-making
- 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
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. Qualified candidates should submit a resume along with a brief summary of underwriting experience and typical file size handled. IF YOU DONT HAVE EXPIRENCE DONT APPLY
From High Rise Capital's careers page (Workable), checked 31 Oct 2026.
How to apply
- Select Apply on apply.workable.com. It opens High Rise Capital's own application form in a new tab, run on Workable.
- Fill in the form and upload your résumé there. Jobiwork never sees your application.
- High Rise Capital will reply to you directly. No real employer asks you for money to apply.
Posted 30 Oct 2026 · checked 31 Oct 2026 · Report this job