Senior Underwriter (Merchant Cash Advance) - Fenix Capital Funding : Job Details

Fenix Capital Funding, LLC is a well-established MCA direct funder providing working capital to small and mid-sized businesses across the United States. We operate in a fast-paced, high-pressure, and highly competitive industry—with significant opportunities for growth and advancement.

We are looking for a motivated, ambitious, and dedicated candidate with prior experience in underwriting and merchant cash advance to join our team. You will be responsible for performing final underwriting of both renewals and new deals, conducting merchant interviews, bank verifications and reviewing the overall business profile to determine fundability. Prior MCA experience is required.

Job Responsibilities:

• Perform in-depth financial analysis and review various reports and financial documents to determine merchant's creditworthiness;
• Conduct merchant interviews, bank verifications and final funding calls with prospective clients;
• Make final calls on deal approvals, decline decisions and stipulations;
• Collaborate closely with Business Development and Pricing teams to facilitate funding;
• Maintain clear and professional communication with ISOs and merchants via phone and email.

Key Requirements:

• Minimum 3 years of MCA underwriting experience required;
• Proficient in the financial principles of MCA: cash flow analysis, stacking patterns, assessment of account receivables etc.;
• Practical understanding of common sense underwriting and the ability to apply it effectively;
• Excellent written and verbal communication skills;
• Ability to multi-task, work independently and prioritize in a fast-paced, high pressure environment.

What We Offer:

Extremely competitive starting offers for highly driven and motivated applicants, as well as potentially rapid advancement opportunities within the company. We provide each employee an opportunity and tools to grow and to accomplish their goals, strengthening our company in the process as we believe that your success is our success. We value individuals with a relentless drive to excel through hard work and commitment—regardless of title or role.

This is a full-time, on-site position based in our Brooklyn office

Fenix Capital Funding is an equal opportunities employer and welcomes applications from diverse candidates.