Job Summary
We are seeking a highly motivated and detail-oriented Merchant Cash Advance Underwriter to join our dynamic financial services team. In this role, you will evaluate and analyze merchant applications to determine creditworthiness, assess risk, and ensure compliance with lending regulations. Your expertise will help facilitate responsible financing solutions for small and medium-sized businesses, driving growth and maintaining the integrity of our lending portfolio. The ideal candidate will possess strong financial analysis skills, industry knowledge of commercial lending, and a proactive approach to risk management.
Responsibilities
- Conduct comprehensive financial statement analysis, including interpreting balance sheets, income statements, and cash flow reports to assess merchant viability
- Evaluate loan applications by collecting relevant data, performing quantitative research, and analyzing industry trends to support underwriting decisions
- Perform risk analysis and develop financial models to forecast cash flow and repayment capacity of prospective clients
- Ensure all underwriting activities comply with applicable loan regulations and internal policies to maintain high standards of financial integrity
- Engage in negotiation with merchants to clarify terms, address concerns, and facilitate mutually beneficial agreements
- Maintain detailed documentation of underwriting decisions, credit reports, and supporting data for audit purposes
- Requirements
- Proven experience in commercial lending or financial analysis with a focus on risk assessment and underwriting
- Strong knowledge of financial concepts such as cash flow analysis, financial statement interpretation, and financial modeling
- Proficiency in Microsoft Office Suite, especially Excel for data analysis and reporting purposes
- Familiarity with industry-specific regulations governing commercial loans and financial compliance standards
- Excellent negotiation skills coupled with the ability to communicate complex financial information clearly to clients and internal stakeholders
- Background in accounting or finance with experience in banking or mortgage servicing is a plus
- Ability to perform quantitative research using financial software tools and conduct industry-specific risk assessments
- Knowledge of fraud prevention techniques, loan origination processes, and industry best practices in commercial lending analysis
Join us as a Merchant Cash Advance Underwriter where your expertise will directly influence responsible lending practices while supporting small business growth. We’re committed to fostering a collaborative environment that values your analytical skills, industry knowledge, and proactive approach—empowering you to make impactful decisions every day.
Pay: $50,000.00 - $120,000.00 per year
Work Location: In person
