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Remote Merchant Underwriter Jobs in Rutherford, NJ

Quilt Software

Director, Risk and Fraud

New York, NY · On-site +1

Lead merchant underwriting operations end-to-end - credit review, risk decisioning, exposure ... Remote, based in the United States Applicants must be authorized to work for any employer in the U.

Quilt Software

Director, Risk and Fraud

New York, NY · Remote

Lead merchant underwriting operations end-to-end -- credit review, risk decisioning, exposure ... Remote, based in the United States Applicants must be authorized to work for any employer in the U.

Clearent

Outside Sales Account Executive

Paramus, NJ · On-site +1

$5K/mo

... visits with your merchant clients. This is an outside remote B2B sales role and you are not ... Work closely with Clearent colleagues in Customer Service, Underwriting, IT, Sales Support and ...

Parker

Collections Specialist

Manhattan, NY · On-site +1

$20.50 - $27.50/hr

... merchants to grow faster while staying in control of their margins. We've raised over $180M in ... Partner with Risk, Underwriting, and Customer Success to identify and address early warning signs

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All JobsMerchant Underwriter JobsRemote Merchant Underwriter JobsRemote Merchant Underwriter Jobs in Rutherford, NJ

Remote Merchant Underwriter information

See Rutherford, NJ salary details

$33.1K

$80.4K

$142.2K

How much do remote merchant underwriter jobs pay per year?

As of Jun 1, 2026, the average yearly pay for remote merchant underwriter in Rutherford, NJ is $80,411.00, according to ZipRecruiter salary data. Most workers in this role earn between $62,200.00 and $88,700.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Remote Merchant Underwriter, and why are they important?

To thrive as a Remote Merchant Underwriter, you need a solid understanding of credit risk analysis, financial statement review, and underwriting principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, payment processing systems, and compliance tools like Know Your Customer (KYC) platforms is essential. Strong analytical thinking, attention to detail, and effective communication skills help you assess risk accurately while working independently and collaborating with remote teams. These skills ensure sound risk decisions, regulatory compliance, and the protection of financial institutions from potential losses.

What are some common challenges Remote Merchant Underwriters face when evaluating merchants online?

Remote Merchant Underwriters often encounter challenges such as verifying the legitimacy of businesses without in-person interactions, identifying potential fraud risks, and ensuring compliance with regulatory standards across various regions. Working remotely may require greater reliance on digital tools for gathering and analyzing documentation, making effective communication with merchants and internal teams crucial. Staying updated on evolving industry trends and risk indicators is also important to make informed, accurate underwriting decisions.

What are Remote Merchant Underwriters?

Remote Merchant Underwriters are professionals who assess the risk and creditworthiness of businesses applying for merchant accounts, typically for processing credit card transactions. Working remotely, they review financial documents, business histories, and industry data to determine whether to approve or deny merchant account applications. Their role is critical in helping financial institutions manage risk and prevent fraud. Remote Merchant Underwriters use specialized software and communicate with clients and internal teams virtually to perform their duties efficiently.

What is the difference between Remote Merchant Underwriter vs Remote Credit Analyst?

AspectRemote Merchant UnderwriterRemote Credit Analyst
Required CredentialsTypically requires underwriting certifications, finance or business degreesOften requires finance, accounting, or economics degrees
Work EnvironmentRemote, within financial or lending companiesRemote, within banking or financial institutions
Industry UsageUsed in merchant services, payment processing, and lendingCommon in banking, investment, and lending sectors
Comparison Search IntentUnderstanding underwriting roles in merchant servicesEvaluating credit analysis positions in finance

Remote Merchant Underwriters and Remote Credit Analysts both assess financial information but focus on different areas. Merchant underwriters evaluate merchant applications for payment processing and merchant accounts, while credit analysts analyze credit data for lending decisions. Both roles require financial knowledge and often similar certifications, but they serve distinct functions within the financial industry.

What are popular job titles related to Remote Merchant Underwriter jobs in Rutherford, NJ? For Remote Merchant Underwriter jobs in Rutherford, NJ, the most frequently searched job titles are:
Remote Merchant Underwriter jobs near you
Infographic showing various Remote Merchant Underwriter job openings in Rutherford, NJ as of May 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $80,411 per year, or $38.7 per hour.
Underwriter - MCA

Underwriter - MCA

Kalamata Capital, LLC.

Manhattan, NY • Remote

$60K - $80K/yr

Full-time

Posted 27 days ago

Job description

At Kalamata Capital Group, our mission is simple. We are passionate about providing fast and easy financing to small businesses to help them grow and create jobs. We combine technology, experience, and common sense to provide many financing options that work best with small businesses. We have real people who try to explain real actionable solutions in easy-to-understand terms.
Role Description:
We are looking for an experienced individual to join our underwriting team. This person must have 2 or more years of experience underwriting MCAs at an A-Paper Shop , with a strong emphasis on generating approvals. He/she must have the ability to use data driven insights as a guide, but also rely on experience and intuition to make informed decisions. This candidate must be comfortable handling a large number of deals daily, and thrive in a high pressure, results driven environment. Must be able to adapt quickly and efficiently.
Responsibilities and Duties
  • Responsible for generating approval or decline decision for small business applicants
  • Determine the ability of the client to repay financing based on analysis of the clients cash flow statements, tax returns, and other financial information
  • Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
  • Perform other due diligence as needed to determine the creditworthiness of a small business owner
  • Work with the Relationship Managers in negotiating credit transactions

Qualifications and Skills
  • 2 or more years experience working in an A-Paper Merchant Cash Advance / financial institution underwriting small businesses
  • Strong analytical skills including the ability to read and assess individual and company financial statements
  • Proficient in Excel
  • Team player with the ability to take initiative
  • Detail-oriented, ability to work well under pressure and multi-task
  • Strong written and verbal communication skills
  • Problem recognition and resolution skills
  • Previous experience in a remote environment preferred

This is a remote position.