Impress employers and recruiters.
Choose from hundreds of resume examples.
Impress employers and recruiters.
Choose from hundreds of resume examples.
Tailor your resume to this Experienced MCA Underwriter role.
Rezi rewrites your resume against High Rise Capital's job description. Free.
Tailor your resume to this Experienced MCA Underwriter role.
Rezi rewrites your resume against High Rise Capital's job description. Free.
Don't guess if your resume is good enough.
See how it scores against the Experienced MCA Underwriter posting at High Rise Capital — free, in seconds.
Don't guess if your resume is good enough.
See how it scores against the Experienced MCA Underwriter posting at High Rise Capital — free, in seconds.
About the Role
High Rise Capital is seeking a highly experienced Merchant Cash Advance Underwriter to join our in-house underwriting team. 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. As a direct lender, our underwriting team makes real decisions that directly impact portfolio performance and capital deployment.
Responsibilities
- 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
- Strategic thinking — not just file review, but deal structuring
- Efficiency under pressure
- Clear communication with closers, brokers, and management
- Accountability for portfolio performance
Requirements
- Minimum 2+ years of direct MCA underwriting experience
- Proven track record underwriting clean paper
- Proven track record underwriting HIGH RISK and STACKED FILES
- Experience handling large exposure files (six and seven figures)
- Strong working knowledge of bank statement analysis
- Strong working knowledge of negative days / NSFs
- Strong working knowledge of deposit consistency & revenue trends
- Strong working knowledge of position stacking and payment structures
- Strong working knowledge of holdback calculations and debt ratios
- Strong working knowledge of collectability
- Experience running and analyzing nysef, ct courts
- Experience running and analyzing personal credit reports
- Experience running and analyzing CLEAR reports
- Must have substantial experience underwriting MCA transactions across all risk tiers from 30 days to 15 month paper
- Must be comfortable reviewing and structuring six- and seven-figure files
- Requires strong analytical ability, sound credit judgment, and the capacity to manage a demanding workflow in a fast-paced environment
- Understands that underwriting is not just about minimizing risk — it is about intelligently pricing and structuring it.
Skills
- Underwriting
- Risk assessment
- Deal structuring
- Bank statement analysis
- Credit analysis
- Communication
Location
- New York
Work Type
- In-office
Experience Level
- Senior-level
- 2+ years of direct MCA underwriting experience
Salary/Compensations
- Competitive base salary
- Performance-based bonus structure
Benefits
- Long-term growth opportunity within a high-volume direct lending platform
About the Company
- We are a direct lender.