Title: Underwriter (Intermediate), Alternative Finance / Merchant Cash Advance
Location: Toronto, ON [in-office / hybrid]
Description:
Bridgecap Financial Ontario Ltd funds small and mid-sized businesses across Canada. We are growing and need an underwriter who can own files from submission to pricing.
This is a mid-level role. You will not be learning what a bank statement is, and you will not be managing a team. You will underwrite and price deals every day, working directly with our COO.
What you will do
- Underwrite merchant cash advance and business funding files end to end
- Review bank statements, credit, cash flow, and existing positions
- Price and structure offers within our credit guidelines
- Spot fraud, stacking, and red flags before funding
- Communicate decisions and stipulations to ISO partners quickly and clearly
- Use AI tools and our CRM to speed up analysis and improve the process
What you bring
- 2 to5 years in underwriting, credit analysis, commercial lending, or a related finance role
- MCA or alternative lending experience is a strong plus
- Strong comfort with numbers, cash flow, and risk
- Fluent with technology. You pick up new systems fast.
- You already use AI tools in your work and want to do more with them
- Sound judgment and the confidence to make a call
Compensation
- Base salary: $70,000 to $75,000 CAD
- Bonus plan starting at month 6, tied to funding volume
- Total earnings can exceed $105,000 CAD
This posting is for an existing vacancy.
