Pinnacle Private Credit
Senior Underwriter – MCA Direct Funder (Secaucus, NJ)
Pinnacle Private Credit, Secaucus, New Jersey, us, 07094
Senior Underwriter – MCA Direct Funder (Secaucus, NJ)
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Senior Underwriter – MCA Direct Funder (Secaucus, NJ)
role at
Pinnacle Private Credit .
Is this you? If you’re a seasoned MCA underwriter who can read bank statements in your sleep, price deals confidently, and mentor junior underwriters, then this is a high‑earning opportunity with a fast‑growing direct funder.
About The Company The company is a Secaucus, NJ-based direct MCA funder specializing in fast, flexible financing for small businesses. They fund real deals, move quickly, and operate with a lean, high‑performance underwriting team. Now they’re adding a Senior Underwriter to scale their operations and lead deal evaluation as they grow.
Role Overview As a Senior Underwriter, you’ll own the underwriting process from merchant interviews to final funding decisions. You’ll analyze complex deals, price offers, and manage risk. This is a leadership role for someone who knows MCA inside and out and wants significant earning potential in a direct funder environment.
Responsibilities
Conduct Merchant Interviews: Speak directly with business owners to understand their operations, cash flow needs, and repayment ability.
Analyze Complex Financials: Review bank statements, balance sheets, P&Ls, tax returns, and other financial data to assess risk and structure deals.
Price Deals Confidently: Determine factor rates, holdback percentages, and deal terms based on risk assessment and market conditions.
Make Funding Decisions: Approve, decline, or restructure deals with full autonomy and accountability.
Finalize Deals Before Funding: Ensure all documentation, verifications, and conditions are met before capital is deployed.
Manage High Volume: Handle 10‑20+ deals daily in a fast‑paced funding environment.
Qualifications
2+ years of MCA underwriting experience required (direct funder or syndication experience strongly preferred).
Expert‑level financial analysis: Quickly assess risk from bank statements, credit reports, and business financials.
Pricing proficiency: Confidently structure deals with appropriate factor rates and terms.
Merchant interview skills: Able to ask the right questions and read between the lines.
Decision‑making authority: Comfortable making independent funding decisions with real money on the line.
Risk management expertise: Know when to walk away from bad deals.
Local to Secaucus/North NJ/NYC area: In‑office position.
Compensation
Base salary: $100,000 – $300,000 depending on experience and deal volume.
Location Secaucus, NJ (In‑office, full‑time).
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
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Senior Underwriter – MCA Direct Funder (Secaucus, NJ)
role at
Pinnacle Private Credit .
Is this you? If you’re a seasoned MCA underwriter who can read bank statements in your sleep, price deals confidently, and mentor junior underwriters, then this is a high‑earning opportunity with a fast‑growing direct funder.
About The Company The company is a Secaucus, NJ-based direct MCA funder specializing in fast, flexible financing for small businesses. They fund real deals, move quickly, and operate with a lean, high‑performance underwriting team. Now they’re adding a Senior Underwriter to scale their operations and lead deal evaluation as they grow.
Role Overview As a Senior Underwriter, you’ll own the underwriting process from merchant interviews to final funding decisions. You’ll analyze complex deals, price offers, and manage risk. This is a leadership role for someone who knows MCA inside and out and wants significant earning potential in a direct funder environment.
Responsibilities
Conduct Merchant Interviews: Speak directly with business owners to understand their operations, cash flow needs, and repayment ability.
Analyze Complex Financials: Review bank statements, balance sheets, P&Ls, tax returns, and other financial data to assess risk and structure deals.
Price Deals Confidently: Determine factor rates, holdback percentages, and deal terms based on risk assessment and market conditions.
Make Funding Decisions: Approve, decline, or restructure deals with full autonomy and accountability.
Finalize Deals Before Funding: Ensure all documentation, verifications, and conditions are met before capital is deployed.
Manage High Volume: Handle 10‑20+ deals daily in a fast‑paced funding environment.
Qualifications
2+ years of MCA underwriting experience required (direct funder or syndication experience strongly preferred).
Expert‑level financial analysis: Quickly assess risk from bank statements, credit reports, and business financials.
Pricing proficiency: Confidently structure deals with appropriate factor rates and terms.
Merchant interview skills: Able to ask the right questions and read between the lines.
Decision‑making authority: Comfortable making independent funding decisions with real money on the line.
Risk management expertise: Know when to walk away from bad deals.
Local to Secaucus/North NJ/NYC area: In‑office position.
Compensation
Base salary: $100,000 – $300,000 depending on experience and deal volume.
Location Secaucus, NJ (In‑office, full‑time).
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
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