Underwriter

<p>Anderson Search is partnering with a growing alternative finance organization seeking an experienced MCA Underwriter to join its underwriting team in Edison, New Jersey.</p><p><br></p><p>This individual will play a critical role in evaluating business funding opportunities, analyzing risk, structuring transactions, and supporting the company's continued growth through sound underwriting decisions.</p><p><br></p><p>The successful candidate will bring direct experience within the merchant cash advance (MCA), alternative lending, revenue-based financing, or business funding industry and possess a strong understanding of cash flow analysis, risk assessment, lender appetite, and deal structuring. </p><p><br></p><p>This is an excellent opportunity for a highly analytical professional seeking a stable, growth-oriented environment with direct exposure to leadership and meaningful career advancement opportunities.</p><p><br></p><p><strong>Responsibilities</strong></p><p>Underwriting & Risk Assessment</p><ul><li>Review and analyze merchant cash advance and alternative business funding opportunities.</li><li>Evaluate business bank statements, cash flow trends, deposit activity, and overall business performance.</li><li>Assess creditworthiness, identify risk factors, and determine funding viability.</li><li>Structure transactions based on borrower profile, repayment capacity, and overall risk.</li><li>Make funding recommendations including approvals, counteroffers, and declines.</li><li>Evaluate renewal opportunities and existing customer performance.</li></ul><p>Deal Analysis & Structuring</p><ul><li>Analyze transactions ranging from small working capital requests to multi-million-dollar funding opportunities.</li><li>Evaluate businesses across varying credit profiles and risk categories.</li><li>Review existing obligations, repayment history, and leverage exposure.</li><li>Balance portfolio quality with growth objectives.</li><li>Recommend appropriate funding amounts, terms, and structures.</li></ul><p>Direct Lender & Market Knowledge</p><ul><li>Maintain a strong understanding of direct lender programs and underwriting criteria.</li><li>Understand lender appetite across various industries, risk grades, and borrower profiles.</li><li>Identify appropriate funding solutions based on deal quality and borrower characteristics.</li><li>Stay informed regarding market trends and alternative finance products.</li></ul><p>Cross-Functional Collaboration</p><ul><li>Partner closely with sales, funding, and executive leadership teams.</li><li>Communicate underwriting decisions clearly and efficiently</li><li>Provide feedback regarding transaction structure and risk considerations.</li><li>Assist in resolving documentation, funding, and underwriting-related issues.</li></ul><p>Portfolio & Risk Management</p><ul><li>Monitor portfolio quality and performance trends.</li><li>Identify potential fraud indicators and emerging risk concerns.</li><li>Support ongoing underwriting process improvements.</li><li>Contribute to the development of underwriting best practices and risk management initiatives.</li></ul><p><br></p><p><strong>Qualifications</strong></p><p>Required Experience </p><ul><li>Underwriting merchant cash advances (MCA), alternative lending, revenue-based financing, or business funding transactions.</li><li>Strong understanding of business bank statement analysis and cash flow evaluations.</li><li>Experience making independent underwriting decisions.</li><li>Knowledge of credit risk assessment and deal structuring.</li><li>Ability to thrive within a fast-paced, high-volume environment.</li><li>Strong analytical, organizational, and communication skills.</li></ul><p>Preferred Experience </p><ul><li>Working for an MCA lender, alternative finance company, direct lender, or business funding organization.</li><li>Familiarity with lender appetite analysis and funding placement strategies.</li><li>Experience reviewing high volumes of funding opportunities daily.</li><li>Knowledge of multiple funding products and financing structures.</li></ul><p><br></p><p><strong>Ideal Candidate Profile</strong></p><p>The ideal candidate is already working within the MCA or alternative lending industry and understands the pace, complexity, and decision-making required to evaluate business funding opportunities effectively.</p><p>They are comfortable reviewing and underwriting their own deals, possess strong business judgment, understand lender risk tolerances, and can balance growth objectives with sound underwriting discipline.</p><p>Most importantly, they are seeking an opportunity to join a growing organization where they can make a direct impact while continuing to develop their career within the alternative finance industry.</p><p><br></p><p><strong>Compensation & Benefits</strong></p><ul><li>Competitive Base SalaryPerformance-Based Bonus Opportunities</li><li>Comprehensive Benefits Package</li><li>Career Growth & Advancement Opportunities</li><li>Collaborative and Entrepreneurial</li></ul><p></p>