MCA Underwriter | Full-Time EST

Please login or register as jobseeker to apply for this job.

: TYPE OF WORK

Full Time

: SALARY

N/A

: HOURS PER WEEK

40

: DATE UPDATED

Apr 2, 2026

JOB OVERVIEW

Hours: Mon–Fri, EST business hours overlap required

About the Role
We're a merchant cash advance company looking for a skilled underwriter to join our team. You'll be responsible for reviewing MCA applications, analyzing merchant financials, assessing risk, and making funding recommendations. This is a high-volume, fast-paced role where speed and accuracy both matter. You'll work directly with our sales and funding teams to move deals through the pipeline efficiently.

What You'll Do

Review and analyze incoming MCA applications and supporting documents
Examine 3–6 months of business bank statements to evaluate cash flow, daily balances, and revenue trends
Identify red flags such as NSFs, negative balances, stacking, and undisclosed positions
Calculate key metrics including average daily balance, monthly revenue, and deposit consistency
Determine funding amounts, hold-back percentages, and terms based on risk assessment
Issue approvals, declines, or request additional documentation with clear reasoning
Communicate underwriting decisions to the sales team with turnaround expectations
Maintain accurate records and notes in the CRM/underwriting platform
Meet daily volume targets (typically 15–25+ applications per day)
Stay current on MCA industry trends, compliance requirements, and risk factors

Requirements
Must-haves:

2+ years of hands-on MCA or alternative lending underwriting experience
Strong ability to read and interpret business bank statements quickly
Understanding of MCA-specific risk factors — stacking, split funding, seasonal businesses, etc.
Experience calculating daily balances, average monthly revenue, and position exposure
High attention to detail with the ability to spot inconsistencies and fraud indicators
Comfortable working in a fast-paced, high-volume environment
Reliable internet connection and quiet workspace
Available during US business hours (at least 9 AM–5 PM EST)
Strong written English for internal communication and deal notes

Nice-to-haves:

Experience with underwriting tools like DecisionLogic, Plaid, Ocrolus, or LendingFront
Familiarity with CRMs such as Salesforce, HubSpot, or industry-specific platforms
Background in other alternative lending products (revenue-based financing, business lines of credit, equipment financing)
Experience training or mentoring junior underwriters
Knowledge of UCC filings and lien searches

What We Offer

Stable, long-term full-time position — not a short-term project
Clear underwriting guidelines and support — you won't be guessing
Opportunity to grow into a senior or lead underwriter role
A team that values speed, good judgment, and reliability

How to Apply:
---------- /t/vhQ7gK4vwsus?position=underwriter

SKILL REQUIREMENT

Financial Analysis Risk Assessment Underwriting

SHARE THIS POST

Job Post	Reporter	Rank	Reason	Date

BENCHMARKS

Loading Time: Base Classes	0.0007
Controller Execution Time ( Jobseekers / Job )	0.0097
Total Execution Time	0.0110

GET DATA

No GET data exists

MEMORY USAGE

1,500,712 bytes

POST DATA

No POST data exists

URI STRING

jobseekers/job/MCA-Underwriter-Full-Time-EST-1585298

CLASS/METHOD

jobseekers/job

DATABASE: onlinejobs (Jobseekers:$db) QUERIES: 13 (0.0047 seconds) (Hide)

0.0003	`SELECT * FROM exrates WHERE rate_name = 'USD-PHP'`
0.0003	SELECT * FROM `employer_jobs` WHERE `job_id` = 1585298 LIMIT 1
0.0004	SELECT * FROM `employers` WHERE `employer_id` = 907128 LIMIT 1
0.0004	SELECT COUNT(*) AS `numrows` FROM `t_thread` `t` LEFT JOIN `t_thread_misc` `misc` ON `t`.`id` = `misc`.`thread_id` WHERE `t`.`job_id` = 1585298 AND `misc`.`id` IS NULL
0.0004	SELECT e.business_name, e.logo, e.website, e.rebill_date, e.date_added member_date, hits, DATEDIFF('2026-04-15',ej.date_added) duration_days, DATEDIFF('2026-04-15',e.rebill_date) duration_rebill, ej.*, e.deactivate FROM employers e, employer_jobs ej WHERE e.employer_id = ej.employer_id AND ((e.user_level >= '500' AND ej.date_added <= e.rebill_date) OR e.employer_id = '' OR (ej.date_approved <> '2000-01-01' and DATEDIFF('2026-04-15',ej.date_added) <= 14 )) AND e.deactivate != 1 AND ej.deleted = 0 AND job_id = '1585298'
0.0003	SELECT * FROM `employer_jobs_skills` `ejs` LEFT JOIN `skills_categories` `sc` ON `ejs`.`skill_id` = `sc`.`id` WHERE `job_id` = 1585298
0.0007	UPDATE employer_jobs SET hit_counts = '*Feb-22-2026=114Feb-23-2026=46Feb-24-2026=24Feb-25-2026=14Feb-26-2026=15Feb-27-2026=11Feb-28-2026=7Mar-01-2026=1Mar-02-2026=7Mar-03-2026=3Mar-04-2026=8Mar-05-2026=83Mar-06-2026=15Mar-07-2026=3Mar-08-2026=15Mar-09-2026=19Mar-10-2026=11Mar-11-2026=9Mar-12-2026=11Mar-13-2026=22Mar-14-2026=3Mar-15-2026=3Mar-16-2026=10Mar-17-2026=6Mar-18-2026=8Mar-19-2026=5Mar-20-2026=4Mar-21-2026=6Mar-22-2026=4Mar-23-2026=7Mar-24-2026=5Mar-25-2026=2Mar-26-2026=10Mar-27-2026=6Mar-28-2026=1Mar-29-2026=3Mar-30-2026=8Mar-31-2026=7Apr-01-2026=8Apr-02-2026=276Apr-03-2026=22Apr-04-2026=3Apr-05-2026=8Apr-06-2026=17Apr-07-2026=21Apr-08-2026=3Apr-09-2026=8Apr-10-2026=13Apr-11-2026=10*Apr-15-2026=2' WHERE job_id= '1585298'
0.0006	`UPDATE employer_jobs SET monthly_hits = '*Feb-2026=231Mar-2026=305**Apr-2026=390' WHERE job_id= '1585298'`
0.0003	`SELECT date_sent FROM jobseeker_sent_emails WHERE jobseeker_id = '' AND job_id = '1585298' AND status LIKE 'sent%' ORDER BY id DESC`
0.0002	SELECT * FROM `employer_jobs_skills` `ejs` LEFT JOIN `skills_categories` `sc` ON `ejs`.`skill_id` = `sc`.`id` WHERE `job_id` = 1585298
0.0003	SELECT COUNT(*) AS `numrows` FROM `employer_jobs` WHERE `employer_id` = '907128' AND `date_added` >= '2022-06-08'
0.0002	`select * from teasers`
0.0002	`SELECT * FROM skill_categories WHERE skill_cat_id=''`

HTTP HEADERS (Show)

SESSION DATA (Show)

__ci_last_regenerate	1776241826
last_page	https://v1.stage.onlinejobs.ph/jobseekers/job/MCA-Underwriter-Full-Time-EST-1585298
csrf-token	c31e72a8a3c522b0a5ab013f71af1fed

CONFIG VARIABLES (Show)

base_url	https://v1.stage.onlinejobs.ph
log_threshold	2
enable_profiler
index_page
uri_protocol	PATH_INFO
url_suffix
language	english
charset	UTF-8
enable_hooks	1
subclass_prefix	MY_
composer_autoload	vendor/autoload.php
permitted_uri_chars	a-z 0-9~%.:_\=\-\+\@?\&
enable_query_strings
controller_trigger	c
function_trigger	m
directory_trigger	d
allow_get_array	1
log_path
log_file_extension
log_file_permissions	420
log_date_format	Y-m-d H:i:s
error_views_path
cache_path
cache_query_string
encryption_key	OdBUArjiWg9I7u7bvAwQ7Fu35VB1kzga
sess_driver	files
sess_cookie_name	ci_session
sess_expiration	2678400
sess_save_path
sess_match_ip
sess_time_to_update	300
sess_regenerate_destroy
cookie_prefix
cookie_domain
cookie_path	/
cookie_secure
cookie_httponly
standardize_newlines
global_xss_filtering	1
csrf_protection
csrf_token_name	csrf_test_name
csrf_cookie_name	csrf_cookie_name
csrf_expire	7200
csrf_regenerate	1
csrf_exclude_uris	Array ( )
compress_output
time_reference	local
rewrite_short_tags
proxy_ips
ojadmin	JpjZkQN5A8l@^L
salt	+UFjSAT49tPZLtmU2CIG2FYN7pRhgsWyLHgSyQa6k3I=
queue_enabled
twilio	Array ( [sid] => AC00c0594045c6eef9407e8fff01f3d467 [token] => f0bfc0b73444a077894a43f5f75e6d41 [length] => 6 [from] => +639221200200 [code_expiry_seconds] => 14400 )
maintenance	Array ( [admin] => Array ( [verification] => ) [announcement_bar] => Array ( [show_slow_issue_message] => ) )
trustpilot	Array ( [to_email] => onlinejobs.ph+3d844ebf71@invite.trustpilot.com )
services	Array ( [google_tag_manager] => Array ( [id] => GTM-T5CQMS6P ) [chatgpt] => Array ( [secret] => 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 ) [claude] => Array ( [secret] => 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 ) )
v2_url	https://v2.stage.app.onlinejobs.ph
replacemyself_secret_key	Kk1WpgTMkc4wBQOqC5rqCssdLhACKrsJeTtO1ywUkT4=
app	Array ( [app] => Array ( [command] => Array ( [map] => Array ( [OnlineJobs\Mailer\Command\SendEmailCommand] => OnlineJobs\Mailer\Handler\SendEmailHandler [OnlineJobs\Mail\Command\SendEmailCommand] => OnlineJobs\Mail\Handler\SendEmailHandler [OnlineJobs\Mail\Command\QueueEmailPendingCommand] => OnlineJobs\Mail\Handler\QueueEmailPendingHandler [OnlineJobs\Mail\Command\QueueJobEmailPendingCommand] => OnlineJobs\Mail\Handler\QueueJobEmailPendingHandler [OnlineJobs\Mail\Command\QueueUnapprovedEmailCommand] => OnlineJobs\Mail\Handler\QueueUnapprovedEmailHandler [OnlineJobs\Mail\Command\ProcessEmailQueueCommand] => OnlineJobs\Mail\Handler\ProcessEmailQueueHandler [OnlineJobs\Mail\Command\PutJobseekerEmailOnHoldCommand] => OnlineJobs\Mail\Handler\PutJobseekerEmailOnHoldHandler [OnlineJobs\Purchase\Command\RealEstateVaCourseCommand] => OnlineJobs\Purchase\Handler\RealEstateVaCourseHandler [OnlineJobs\Test\Command\HelloCommand] => OnlineJobs\Test\Handler\HelloHandler ) [middleware] => Array ( ) ) [providers] => Array ( [0] => OnlineJobs\Bus\BusServiceProvider [1] => OnlineJobs\Database\DbServiceProvider [2] => OnlineJobs\Mailer\MailerServiceProvider [3] => OnlineJobs\Support\SupportServiceProvider [4] => OnlineJobs\Employer\ServiceProvider [5] => OnlineJobs\Jobseeker\ServiceProvider [6] => OnlineJobs\Mail\ServiceProvider [7] => OnlineJobs\Postal\ServiceProvider [8] => OnlineJobs\Queue\ServiceProvider [9] => OnlineJobs\Courier\ServiceProvider [10] => OnlineJobs\Job\ServiceProvider [11] => OnlineJobs\Purchase\ServiceProvider ) ) )
meta	Array ( [facebook] => Array ( [input] => 1 [connect] => 2 [timezone] => 3 [url] => 30 [id] => 31 [photo] => 32 [name] => 33 [email] => 34 [review] => 35 ) [trust] => Array ( [government_id] => 4 [utility_bill] => 5 [selfie_photo] => 6 [profile_picture] => 7 [phone_number] => 8 [facebook] => 9 ) [verify] => Array ( [profile_picture] => 10 [government_id] => 11 [selfie_photo] => 12 [utility_bill] => 13 [address] => 14 [name] => 15 [reviewed] => 16 [government_group] => 28 [address_group] => 29 [mobile] => 38 ) [address] => Array ( [complete] => 17 [room_unit_no] => 20 [house_no] => 21 [street] => 22 [subdivision] => 23 [barangay] => 24 [city] => 25 [province] => 26 [postcode] => 27 ) [reviewed] => Array ( [similar_names] => 1 ) [name] => 18 [phone] => 19 [sms_verification_code] => 36 [resend_verification_code] => 37 [address_read] => 39 [first_name] => 100 [middle_name] => 101 [last_name] => 102 [edit] => Array ( [government_id_group] => 40 [address_group] => 41 [mobile_group] => 42 ) [salary_re_entry] => 103 [id_proof_recalibrate] => 104 [email] => 44 [mobile_verification_type] => 45 )
honeypot	Array ( [name_field] => my_name [enabled] => 1 )

HTTP_ACCEPT	/
HTTP_USER_AGENT	Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)
HTTP_CONNECTION	Upgrade
SERVER_PORT	80
SERVER_NAME	v1.stage.onlinejobs.ph
REMOTE_ADDR	127.0.0.1
SERVER_SOFTWARE	Apache/2.4.58 (Ubuntu)
HTTP_ACCEPT_LANGUAGE
SCRIPT_NAME	/index.php
REQUEST_METHOD	GET
HTTP_HOST
REMOTE_HOST
CONTENT_TYPE
SERVER_PROTOCOL	HTTP/1.1
QUERY_STRING
HTTP_ACCEPT_ENCODING	gzip, br, zstd, deflate
HTTP_X_FORWARDED_FOR	216.73.216.136
HTTP_DNT

MCA Underwriter | Full-Time EST

Please login or register as jobseeker to apply for this job.

TYPE OF WORK

SALARY

HOURS PER WEEK

DATE UPDATED

Why is this blurred?