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Mca Underwriter Jobs (NOW HIRING)

Blueline Capital Group

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Entry Level MCA Sales

New York, NY · On-site

No prior MCA or finance experience is required. We provide hands-on training, coaching, and ongoing ... Work closely with Account Managers, Underwriting, and Processing teams * Maintain accurate client ...

Goldfund Capital LLC

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Inside Sales Representative / MCA Broker

New York, NY · On-site

$1.0K - $500K/yr

Inside Sales Representative / MCA Broker Company: Goldfund Capital LLC Location: On-site / In ... Work closely with underwriters and senior team members to streamline deal flow and close faster.

High Rise Capital

MCA Processor

Manhattan, NY · On-site

Underwriters * Submit files to lenders/funders * Track deal progress until funding * Ensure compliance with internal guidelines * Strong attention to detail * Fast-paced multitasking * Organization ...

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Mca Underwriter information

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$78.9K

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How much do mca underwriter jobs pay per year?

As of Aug 26, 2026, the average yearly pay for 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 is an MCA underwriter?

An MCA (Merchant Cash Advance) Underwriter is responsible for evaluating the financial health of businesses applying for cash advances. They analyze bank statements, credit history, revenue trends, and risk factors to determine the likelihood of repayment. Their role involves assessing applications, setting funding terms, and ensuring compliance with lending guidelines. Strong analytical skills, attention to detail, and knowledge of financial risk assessment are essential for this position.

What are the key skills and qualifications needed to thrive as an MCA underwriter?

To thrive as an MCA Underwriter, you need strong analytical abilities, knowledge of financial statements, risk assessment skills, and typically a background in finance or underwriting. Familiarity with merchant cash advance platforms, credit scoring systems, and underwriting software is often required. Attention to detail, effective communication, and sound judgment are key soft skills for evaluating applicants and collaborating with sales teams. These abilities ensure accurate funding decisions, minimize risk, and support the overall success of the business funding process.

What are some common challenges faced by MCA underwriters, and how can they be addressed?

MCA Underwriters often encounter challenges such as evaluating inconsistent financial documentation from small businesses and assessing risks in rapidly changing industries. Adapting to tight deadlines and managing a high volume of applications can also be demanding. To address these challenges, staying up-to-date with industry trends, honing critical thinking skills, and maintaining clear communication with sales representatives and applicants are valuable strategies. Collaboration with other underwriting professionals and seeking ongoing professional development can further improve accuracy and efficiency in this dynamic role.

Do MCA underwriters make a lot of money?

MCA underwriters typically earn a moderate salary that varies based on experience, location, and employer size. Entry-level underwriters may start with lower wages, while experienced professionals with specialized skills can earn higher compensation, often including bonuses or incentives. Overall, the role offers a stable income within the financial and insurance industries.

Is mortgage underwriting a stressful job?

Mortgage underwriting can be stressful due to strict deadlines, detailed financial analysis, and the need for accuracy to assess risk. Underwriters often work in a fast-paced environment and must stay updated on lending guidelines and regulations. Strong attention to detail and time management are essential skills for success in this role.
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Mca Underwriter jobs near you
Infographic showing various Mca Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, and 7% Contract. Highlights an 87% In-person, and 13% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Merchant Cash Advance (MCA) Underwriter

Mintex Technology

East Los Angeles, CA • On-site

$70K - $100K/yr

Full-time

Re-posted 5 days ago

Job description

Job Title: Merchant Cash Advance (MCA) Underwriter
Location: Los Angeles, CA
Employment Type: Permanent
 
Job Description:
  • The Merchant Cash Advance (MCA) Underwriter is responsible for evaluating and underwriting applications for merchant cash advances for short-term financing options in the merchant cash advance space in funding small businesses all over the United States. This role involves analyzing financial documents, assessing risk, and making informed decisions to approve or deny funding requests. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to make sound judgments in a fast-paced environment.
Key Responsibilities:
 
1. Application Review:
Assess and analyze applications for merchant cash advances, including reviewing financial statements, credit reports, and other relevant documents.
Evaluate the financial health and stability of applicants to determine the risk level associated with each advance.
 
2. Risk Assessment:
Conduct thorough risk assessments by analyzing business revenue, cash flow, and other financial metrics.
Utilize risk assessment tools and underwriting software to assist in decision-making.
 
3. Decision Making:
Make informed decisions on whether to approve or deny merchant cash advance applications based on risk assessment and company guidelines.
Provide recommendations for approval, denial, or modification of funding terms.
 
4. Communication:
Communicate underwriting decisions and rationale to applicants and internal teams clearly and professionally.
Collaborate with sales and customer service teams to address any issues or concerns related to the underwriting process.
 
5. Documentation and Reporting:
Maintain accurate and detailed records of underwriting decisions, including documentation and rationale for each case.
Prepare and submit reports on underwriting performance, trends, and potential areas for improvement.
 
6. Compliance and Procedures:
Ensure adherence to company policies, industry regulations, and legal requirements during the underwriting process.
Stay updated on industry trends and changes in regulations that may impact underwriting practices.
 
7. Continuous Improvement:
Identify and recommend improvements to underwriting processes and procedures to enhance efficiency and effectiveness.
Participate in training and development opportunities to stay current with best practices in underwriting.
 
Qualifications:
 
Education:
  • Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
  • Relevant certifications are a plus.
Experience:
  • 5 years of experience in underwriting, preferably in merchant cash advances or a related field.
Skills:
  • Strong analytical and critical thinking skills.
  • Proficiency in financial analysis and risk assessment.
  • Excellent communication and interpersonal skills.
  • Detail-oriented with strong organizational skills.
  • Ability to make sound decisions under pressure.
 
Technical Proficiency:
  • Familiarity with underwriting software and financial analysis tools.
  • College degree in finance is a plus.
  • Must be able to create underwriting polices and guidelines.
  • Must be able to create varying credit boxes.