Minimum 2+ years of direct Merchant Cash Advance (MCA) underwriting experience
Proven track record with clean and high-risk transactions
Experience with six- and seven-figure files
Strong knowledge of bank statement analysis and revenue trends
Ability to analyze personal credit and CLEAR reports
Strong documentation skills and attention to detail
Capacity to manage high daily volume accurately
Responsibilities
Underwrite complex MCA transactions across all risk tiers
Review and structure high-value files independently
Analyze bank statements and assess deposit consistency
Evaluate negative days, NSFs, and debt ratios
Conduct thorough risk assessments and make informed decisions
Communicate effectively with closers, brokers, and management
Ensure accountability for portfolio performance
Benefits
Sound risk assessment and structured decision-making
Strategic thinking beyond file review to deal structuring
Efficiency under pressure
Clear communication with team members
Accountability for portfolio performance
Full Job Description
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
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
We are looking for someone who understands that underwriting is not just about minimizing risk - it is about intelligently pricing and structuring it.
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
