Job Description

Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. The ideal candidate must have prior hands-on experience underwriting merchant cash advances or alternative business financing and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions.

• Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
• Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
• Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
• Review credit reports, business information, and other supporting documentation.
• Identify potential fraud, inconsistencies, and red flags in submitted applications.
• Communicate with sales representatives, brokers, and funding partners to obtain additional information.
• Make timely, well-supported underwriting decisions while maintaining deal quality.
• Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

Requirements

• Mandatory prior experience in MCA underwriting.
• Strong understanding of merchant cash advances and alternative business financing.
• Proven ability to analyze business bank statements and assess cash flow.
• Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
• Ability to identify fraudulent documentation and high-risk transactions.
• Strong analytical, organizational, and decision-making skills.
• Ability to work independently in a fast-paced funding environment.
• Excellent communication skills and attention to detail.

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Family Leave (Maternity, Paternity)
• Training & Development