Job Description

Company Description

Spartan Capital is a prominent fintech firm specializing in revenue-based financing for small and medium-sized businesses across the United States. Utilizing innovative technology and data-driven solutions, Spartan Capital provides fast and flexible working capital options to support entrepreneurial growth. The company serves a broad range of industries, offering efficient alternatives to traditional lending methods. Backed by a dynamic team, Spartan Capital is dedicated to empowering businesses to achieve their financial goals. Learn more at

Key Responsibilities

• Review and analyze daily MCA submissions to assess merchant creditworthiness, risk exposure, and funding eligibility.
• Evaluate bank statements, credit reports, business cash flow, payment history, and background reports (e.g., Clear, Unicourt).
• Conduct KYC/AML checks, verify ownership information, and confirm business legitimacy through corporate and public record databases.
• Assess existing funding positions, payment performance on submissions applying for funding
• Structure deals based on risk profile—determining funding amounts, factor rates, terms, and withhold percentages.
• Identify red flags and fraud indicators such as cash manipulation, NSFs, circular deposits, or inconsistent statements.
• Communicate effectively with ISOs, brokers, and internal funding teams to clarify approvals, collect stips, and finalize approvals.
• Ensure credit policies and funding guidelines are consistently applied to every deal.
• Participate in portfolio reviews, loss analysis, and underwriting performance audits.
• Recommend process improvements, scoring enhancements, and data-driven adjustments to underwriting models.
• Maintain daily productivity, accuracy, and decision turnaround targets within service level expectations.

Qualifications

• Minimum 2 years of MCA underwriting experience is a plus.
• Strong understanding of MCA deal structure, stacking dynamics, risk assessment, and bank statement analysis.
• Proficiency with CRM or underwriting systems
• Excellent attention to detail and ability to work efficiently under deadlines.
• Strong communication and negotiation skills with ISOs and internal departments.
• Analytical thinker with sound judgment and ability to balance risk and opportunity.
• Bachelor’s degree in finance, business, or related field is required.

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Employee discount
• Flexible schedule
• Health insurance
• Paid time off
• Relocation assistance
• Vision insurance

Ability to Commute:

• Hazlet, NJ 07730 (Required)

Ability to Relocate:

• Hazlet, NJ 07730: Relocate before starting work (Required)

Work Location: In person

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