About this opportunity
Merchant First lists this Senior Underwriter opportunity in township of lakewood, New Jersey. Review the employer’s description below for duties, qualifications and application requirements.
Job description
Position: Senior Underwriter
Location: Lakewood, New Jersey (onsite)
Read on to fully understand what this job requires in terms of skills and experience If you are a good match, make an application.
Merchant First operates in the alternative financing space and provides fast and flexible funding solutions that help small and medium-sized businesses access capital when they need it most. Through technology-driven underwriting and data analytics, we deliver same-day and next-day funding options with repayment structures designed around real-world cash flow.
Our platform combines experienced operators with advanced analytics and AI tools to make faster and smarter credit decisions while delivering a seamless experience for our clients. As we continue to scale, we are building a high-performing organization to support data-driven decision making across the business in all departments.
If you’re looking to join a company that moves quickly, embraces innovation, and makes a real impact on the businesses we serve, Merchant First is the place to build your career.
About the Role
We are hiring a Senior Underwriter who will lead the review of merchant applications, analyze financial documents, and assess risk to determine eligibility for merchant cash advances. This role is ideal for an experienced underwriter with a strong track record in MCA or related lending who is ready to take on greater ownership, mentor junior team members, and help shape underwriting strategy.
What You Will Do
Review merchant applications, bank statements, credit reports, and supporting documents to assess risk and determine funding eligibility
Conduct in-depth financial analysis, including cash‑flow trends, average daily balances, NSFs, and revenue stability
Identify potential fraud indicators, make final risk determinations, and escalate complex or high exposure deals as needed
Communicate with ISOs, sales reps, and internal teams to gather missing documents or clarify deal details
Prepare clear, concise underwriting notes and recommendations, and review deals submitted by junior underwriters
Structure offers that align with company risk guidelines, exercising independent judgment on complex deals
Maintain accuracy and compliance with internal policies and industry standards
Support same‑day and next‑day funding workflows by managing time‑sensitive deal queues
Support development of the Company’s underwriting technology and infrastructure to create a scalable platform as the company grows
Develop and maintain underwriting pricing models
Identify opportunities to improve underwriting processes and reporting
Mentor and train junior underwriters, providing guidance on deal structuring and risk assessment
Plan and lead underwriting closing calls with team and merchants
Who You Are
7+ years of underwriting or financial/business analyst experience, preferably in merchant cash advance (MCA), alternative lending, or a related field
Strong understanding of bank statements, cash‑flow patterns, and basic credit analysis to assess business health
Advanced Microsoft Excel skills
Ability to interpret financial documents quickly and accurately xzgxqkn
Excellent communication skills, both written and verbal
High attention to detail and strong organizational skills
Comfortable working in a fast‑paced, high‑volume environment
Proficiency with underwriting or CRM platforms (Salesforce, MCA portals, etc.) is a plus
Intellectual curiosity, analytical mindset and a desire to continuously improve processes
Strong sense of urgency and ownership
Comfortable asking questions and seeking clarity
Team‑oriented with a willingness to mentor and support junior underwriters
Self-starter with strong initiative and accountability
What We Offer
Competitive market compensation and performance incentives
Comprehensive health, dental and vision insurance plans
Paid vacation and holidays
Opportunities for professional growth and advancement
Collaborative team who is energized by solving problems together
Ability to work closely with senior leadership and see your ideas turn into reality
Worksite address
township of lakewood, NJ, 08701, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.