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$32.5K

$78.9K

$139.5K

How much do mca underwriter jobs pay per year?

As of Jul 14, 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 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.

What are the key skills and qualifications needed to thrive in the Mca Underwriter position, and why are they important?

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 is an MCA Underwriter job?

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.

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What cities are hiring for Mca Underwriter jobs? Cities with the most Mca Underwriter job openings:
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Mca Underwriter jobs near you
Infographic showing various Mca Underwriter job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 75% In-person, and 25% 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

Other

Re-posted 17 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

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

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