Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. The ideal candidate must have prior hands-on experience underwriting merchant cash advances or alternative business financing and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring. This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions. • Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure. • Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health. • Determine appropriate funding amounts, terms, factor rates, and positions based on risk. • Review credit reports, business information, and other supporting documentation. • Identify potential fraud, inconsistencies, and red flags in submitted applications. • Communicate with sales representatives, brokers, and funding partners to obtain additional information. • Make timely, well-supported underwriting decisions while maintaining deal quality. • Manage a pipeline of applications efficiently and meet underwriting turnaround expectations. Requirements • Mandatory prior experience in MCA underwriting. • Strong understanding of merchant cash advances and alternative business financing. • Proven ability to analyze business bank statements and assess cash flow. • Knowledge of MCA stacking, existing positions, payback structures, and risk assessment. • Ability to identify fraudulent documentation and high-risk transactions. • Strong analytical, organizational, and decision-making skills. • Ability to work independently in a fast-paced funding environment. • Excellent communication skills and attention to detail. Benefits • Health Care Plan (Medical, Dental & Vision) • Retirement Plan (401k, IRA) • Life Insurance (Basic, Voluntary & AD&D) • Paid Time Off (Vacation, Sick & Public Holidays) • Family Leave (Maternity, Paternity) • Training & Development