Loan Underwriting Specialist

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TYPE OF WORK

Full Time

SALARY

$1000 USD

HOURS PER WEEK

40

DATE UPDATED

Oct 27, 2025

JOB OVERVIEW

We are seAs an MCA/Loan Underwriting Specialist, you will be responsible for evaluating incoming merchant applications to determine funding eligibility. Your primary duties will involve analyzing bank statements, identifying key financial indicators such as revenue, average daily balances, and deposit frequency, as well as assessing the merchant’s current debt obligations. Using this analysis, you will match each file to the most appropriate funding partner based on individual lender guidelines and risk profiles.

Key Responsibilities:

Review and analyze 3–6 months of business bank statements to assess revenue trends, cash flow, and overall financial health.

Identify and evaluate key metrics, including average daily balances, deposit frequency/amount, and monthly revenue.

Assess current lender positions, daily payment obligations, and stacking exposure.

Determine pre-qualification status and suggest appropriate funding amounts based on risk tolerance.

Match each application to the best-fit lender(s) by interpreting and applying specific lender criteria and submission guidelines.

Maintain up-to-date knowledge of funding partner underwriting policies and adapt to changes quickly.

Communicate with sales and funding teams to relay decisions, clarify document needs, and expedite submissions.

Ensure all underwriting processes are compliant and adhere to company standards.eking

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