Experienced MCA Underwriter Job at High Rise Capital, New York, NY

Mms3UjliQUtWbE5RRkMyeUVlNThBL3BHYnc9PQ==
  • High Rise Capital
  • New York, NY

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

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

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

Job Tags

Work at office

Similar Jobs

AO Globe Life

Entry-Level Remote Opportunity - Full/Part-Time | Beginner Friendly & Start ASAP Job at AO Globe Life

 ...S. Only) Job Type: Full-Time / Part-Time Start Date: Immediate Hiring Launch Your Remote Career with Globe Life AO Looking for...  ...where you can grow, earn, and thrivewithout prior experience? At Globe Life AO, were building a team of motivated individuals... 

Moss Bros. Auto Group

Mail Carrier/Driver Job at Moss Bros. Auto Group

 ...* Paid Sick Leave* Employee Vehicle Purchase Program Responsibilities* Collect and distribute incoming and outgoing mail and packages across dealership departments.* Deliver time-sensitive documents such as vehicle titles, repair orders, sales contracts... 

Veterans Health Administration

Biomedical Engineer Job at Veterans Health Administration

 ...Summary This position is aligned to the Engineering Service, Biomedical Engineering Section at the Jesse Brown VA Medical Center, Chicago, IL. The Biomedical Engineer functions as a member of the Biomedical Engineering section with the responsibility to participate... 

Aptyx

Staff Accountant Job at Aptyx

Position Summary The Staff Accountant supports the finance and operations teams by performing critical accounting functions that ensure accurate financial reporting, cost tracking, and compliance with internal controls. Working in a fast-paced manufacturing environment,... 

R.A.S. Logistics

Miami - XPS Carrier-Cargo Vans Job at R.A.S. Logistics

Job Title:Independent Contractor / Owner Operator Cargo Van About Us:We are seeking reliable Independent Contractors and Owner Operators who own or lease a cargo van to support the pick-up and delivery of bulky construction materials. Join our network and help us ...