Underwriting – Credit

Overview

• Evaluate and underwrite Merchant Cash Advance (MCA) transactions for small and medium-sized businesses.
• Analyze financial data, cash flows, and business performance to assess creditworthiness.
• Collaborate with internal credit teams and origination partners to ensure alignment with risk parameters.
• Apply financial modeling and data analytics to evaluate transaction risks and industry exposure.
• Recommend funding amounts and deal terms based on risk profiles and business needs.
• Monitor post-funding performance and identify early warning indicators of credit deterioration.
• Stay updated on market trends and developments within the MCA and alternative lending space.
• Contribute to maintaining compliance standards and clear documentation of underwriting decisions.

Key Responsibilities & Duties

• Analyze financial health and creditworthiness of MCA applicants, including cash flow and revenue trends.
• Perform due diligence by reviewing financial documentation such as bank statements and tax returns.
• Utilize financial modeling to assess transaction risks and business stability.
• Collaborate with commercial teams to structure transactions within established risk guidelines.
• Maintain documentation supporting underwriting decisions and compliance standards.
• Monitor funded transactions and identify indicators of credit deterioration.
• Stay informed on market trends and developments in alternative lending products.
• Contribute to the development and refinement of underwriting policies and procedures.

Job Requirements

• Bachelor’s degree in Finance, Accounting, Business, Economics, or related field.
• 1–4 years of underwriting or credit analysis experience, preferably within MCA or alternative finance.
• Strong skills in financial statement and cash flow analysis.
• Proven ability to assess credit risk for small and mid-sized businesses.
• Familiarity with non-traditional lending structures and MCA products.
• Advanced Excel skills and experience with underwriting platforms.
• Professional certifications (CFA, CPA) are a plus but not required.
• Ability to work independently and collaboratively in a hybrid environment.