Experienced MCA File Analyst / Scrubber

We're expanding our operations and are looking for an experienced MCA File Analyst / Scrubber who already understands the Merchant Cash Advance industry. This position is ideal for someone who has worked with underwriting teams, reviewed bank statements, and can quickly identify existing positions and financial trends.

This is a long-term opportunity with a growing company. The initial workload will be manageable while you become familiar with our process, with additional responsibilities added as you settle into the role.

What You'll Be Doing
Review new merchant submissions before underwriting
Scrub bank statements for existing MCA positions and loan activity
Identify ACH withdrawals, daily/weekly payment patterns, and stacked positions
Calculate key metrics including average daily balance, average monthly deposits, NSF activity, negative balance days, and ending balances
Flag unusual account activity or potential issues
Verify submitted documents are complete and accurate
Prepare files for underwriting decisions
Maintain organized notes and update internal systems
Work closely with the underwriting and operations teams to keep files moving efficiently
We're Looking For Someone Who Has
Previous MCA scrubbing experience (preferred)
Experience reading and interpreting business bank statements
Strong understanding of the Merchant Cash Advance industry
Excellent attention to detail
Ability to manage multiple files while maintaining accuracy
Good written English communication skills
Strong computer skills and proficiency with Excel
Reliable high-speed internet and a dedicated home office
Bonus Qualifications

Experience with any of the following is a plus:

LendSaaS
Centrex
MCA CRM platforms
Underwriting support
Financial statement analysis
OCR or document processing software

Join Us?
Long-term, full-time position
Stable schedule during U.S. Eastern Time business hours
Opportunity for increased responsibility and growth
Friendly and collaborative team

Application Requirements

To be considered, please send all of the following:

Your current resume
Your salary or hourly pay requirement
A brief summary of your MCA experience
The MCA companies or lenders you've worked with (if applicable)
Your earliest available start date
A recent internet speed test (showing download and upload speeds)
A brief description of your home office setup, including:
Computer specifications
Number of monitors
Internet provider
Workspace

Applications missing any of the above information may not be reviewed.