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Full Time Merchant Underwriting Jobs (NOW HIRING)

NETO CAPITAL LLC

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Underwriter

Sunny Isles, FL · On-site

Neto Capital Employment Type: Full-Time Working Hours: 9:30AM-5:30PM Start Date: Immediate / Based ... Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and ...

Electronic Payments Inc

Underwriter

Calverton, NY · On-site

$55K - $60K/yr

The majority of time will be spent underwriting prospective clients and their free time would be ... Job Type: Full-time Benefits: * 401(k) with match * Dental insurance * Employee assistance program

Electronic Payments Inc

Underwriter

Calverton, NY · On-site

$55K - $60K/yr

The majority of time will be spent underwriting prospective clients and their free time would be ... Job Type: Full-time Benefits: * 401(k) with match * Dental insurance * Employee assistance program

Berkley

Life Sciences Associate

Manhattan, NY · On-site

$70K - $120K/yr

Demonstrate the ability to negotiate and strategize and make sound underwriting decisions within ... full time regular employees which for this role include: Base Salary Range: $70,000 - $120,000 We ...

FFB Bank

Merchant Relationship Manager

San Ramon, CA · On-site

$85K/yr

Job Type Full-time Description About FFB Since opening our doors in 2005, FFB Bank has focused on ... Gathers and analyzes detailed business and financial information required for underwriting, pricing ...

FFB Bank

Merchant Relationship Manager

Cerritos, CA · On-site

$85K/yr

Job Type Full-time Description About FFB Since opening our doors in 2005, FFB Bank has focused on ... Gathers and analyzes detailed business and financial information required for underwriting, pricing ...

FFB Bank

Merchant Relationship Manager

Irvine, CA · On-site

$85K/yr

Job Type Full-time Description About FFB Since opening our doors in 2005, FFB Bank has focused on ... Gathers and analyzes detailed business and financial information required for underwriting, pricing ...

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Full Time Merchant Underwriting information

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How much do full time merchant underwriting jobs pay per year?

As of Sep 10, 2026, the average yearly pay for full time merchant underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

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Full Time Merchant Underwriting jobs near you
Infographic showing various Full Time Merchant Underwriting job openings in the United States as of August 2026, with employment types broken down into 94% Full Time, 3% Part Time, and 3% Contract. Highlights an 69% Physical, 8% Hybrid, and 23% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Underwriter

Sunny Isles, FL • On-site

NETO CAPITAL LLC
See more jobs at NETO CAPITAL LLCexternal

Full-time

Re-posted 5 days ago

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Job description

Underwriter

Location: Sunny Isles Beach, Florida (On-Site)
Company: Neto Capital
Employment Type: Full-Time
Working Hours: 9:30AM–5:30PM
Start Date: Immediate / Based on availability
Compensation: Competitive compensation based on experience and fit

Position Overview

Neto Capital is a business financing company in Sunny Isles Beach. We're looking for a Junior Underwriter to review incoming financing applications: analyzing bank statements and cash flow, spotting risks and irregularities, and preparing clear underwriting summaries and recommendations. You'll use the company's in-house AI/ML underwriting tools daily and work closely with Risk, Sales, and Operations. This is a strong entry point for someone who wants to build a career in underwriting and risk.

Key Responsibilities

  • Analyze business bank statements, cash flow, revenue, liabilities, and payment patterns on new financing applications.
  • Review supporting documents and credit data; flag red flags, irregularities, and risk.
  • Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and exposure.
  • Use and give feedback on the company's AI/ML underwriting tools, and help improve underwriting workflows.

Requirements

  • Bachelor's degree required (Finance, Economics, Accounting, Statistics, or a related field a plus).
  • 1+ year in an analytical, financial, credit, underwriting, banking, or lending role.
  • Strong Excel / Google Sheets skills and a solid understanding of bank statements, cash flow, and financial risk.
  • Detail-oriented, fast learner, and able to communicate conclusions clearly while handling sensitive financial information with discretion.

Nice to Have

  • Experience in business financing, MCA, lending, credit underwriting, or risk analysis.
  • Hands-on experience analyzing business bank statements or working with credit decisioning tools.
  • Familiarity with Plaid, DecisionLogic, Ocrolus, DataMerch, TLOxp, Salesforce, HubSpot, or similar.
  • Experience building models, dashboards, or reports in Excel / Google Sheets; additional languages a plus.

Why Join Neto Capital?

  • Direct impact on financing decisions and portfolio performance at a growing FinTech company.
  • Work with in-house AI/ML underwriting tools.
  • Close collaboration with Risk, Operations, Product, and management.
  • Clear path to grow into Senior Underwriting, Risk, Portfolio Management, or Data roles.

Company Description

Neto Capital isn't a bank — and that's the point. We're a South Florida-based fintech company rewriting how small and mid-sized businesses access capital. While traditional lenders bury business owners in paperwork and make them wait weeks for an answer, we move in hours. As a direct funder specializing in Merchant Cash Advances and alternative financing, we combine smart technology with real human decision-making to get businesses funded fast — no middlemen, no runaround.

We're a lean, fast-moving team where things actually happen. Decisions get made in the room, not lost in a chain of approvals. Your ideas won't sit in someone's inbox — if it's good, we run with it. That means real ownership, real growth, and a front-row seat to how a modern lending operation scales.

The fintech space is exploding, and we're building something big in it. If you're looking for a place where you can move fast, level up quickly, and be part of a company on its way up — not just another seat in a corporate machine — Neto Capital is where you want to be.