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Home Based Mca Underwriter Jobs (NOW HIRING)

Blueline Capital Group

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Account Manager/ Closer MCA

New York, NY · On-site

$85K - $130K/yr

Coordinate with underwriting and processing teams to ensure an efficient and seamless funding ... Revenue-Based Financing * Alternative Business Lending * Commercial Banking * Equipment Financing

FMNE Insurance Company

Home Underwriter

Lincoln, NE · On-site

FMNE Insurance is seeking a Home Underwriter in our Home Department. We are looking for a detail ... Calendar binders based on the effective date. Follow up on unanswered requests for information and ...

Specialty Capital

Collections Manager

Great Neck, NY · On-site

... Underwriting. Key Responsibilities Strategy & Portfolio Performance * Lead full lifecycle ... Revenue-Based/MCA environments (REQUIRED) * Demonstrated experience managing teams (including ...

Zolo Capital

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Remote MCA Sales Representative

New York, NY · Remote

$100K - $250K/yr

Sell From Home With Leads, CRM, AI Tools, and Real Support Zolo Capital is hiring remote sales ... based income. No degree is required. Results, work ethic, and consistency matter most. What We ...

Auto-Owners Insurance

Underwriter

Draper, UT · On-site

We offer a merit-based work-from-home program based on job responsibilities. After initial training ... Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ...

Auto Owners Insurance Company

Underwriter

Mesa, AZ

We offer a merit-based work-from-home program based on job responsibilities. After initial training ... Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ...

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All JobsHome Based Mca Underwriter Jobs

Home Based Mca Underwriter information

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$32.5K

$78.9K

$139.5K

How much do home based mca underwriter jobs pay per year?

As of Jul 16, 2026, the average yearly pay for home based mca underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by home-based MCA underwriters, and how can they be managed?

Home-based MCA underwriters often face challenges such as staying organized while managing multiple applications remotely, maintaining clear communication with sales teams and clients, and keeping up-to-date with changing funding guidelines. To manage these challenges, it's helpful to establish a structured daily workflow, use reliable digital tools for document management, and participate in regular video or phone meetings with colleagues. Proactive communication and continuous professional development also help ensure accuracy and efficiency in the underwriting process.

What are the key skills and qualifications needed to thrive as a Home Based MCA Underwriter, and why are they important?

To thrive as a Home Based MCA Underwriter, you need a strong understanding of financial analysis, risk assessment, and merchant cash advance (MCA) products, often supported by experience in underwriting or finance. Familiarity with underwriting software, credit reporting tools, and secure document management systems is typically required. Attention to detail, strong analytical thinking, and effective communication are crucial soft skills for evaluating applications and collaborating with remote teams. These skills ensure accurate risk evaluation, compliance with company policies, and efficient processing of MCA applications in a remote work environment.

What is a Home Based MCA Underwriter?

A Home Based MCA (Merchant Cash Advance) Underwriter is a finance professional who evaluates and processes applications for merchant cash advances while working remotely from home. Their main role is to review financial documents, analyze creditworthiness, assess risk, and determine whether applicants qualify for funding. They often communicate with small business owners, sales agents, and funding companies to gather necessary information. Working from home allows them flexibility, but they must maintain strong attention to detail and adhere to industry compliance standards. This position typically requires experience in underwriting, finance, or business lending.
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Home Based Mca Underwriter jobs near you
Infographic showing various Home Based Mca Underwriter job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 64% In-person, 4% Hybrid, and 32% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Experienced MCA Underwriter

High Rise Capital

New York, NY • Hybrid

Full-time

Re-posted 18 days ago

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

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