Underwriter & Business Developer - AMETA Finance Group

Job Description

Job Description

AMETA Finance Group

Underwriter & Business Developer
New York, NY
Full-Time, In-Person

Who We Are:
Ameta Finance Group is a specialty finance company providing collateralized lending solutions backed by luxury assets, including fine watches, jewelry, and other high-value items. We are committed to delivering a discreet, professional, and efficient borrowing experience built on trust, transparency, and exceptional client service. 

Overview:
We are seeking a highly driven, analytical, and entrepreneurial professional to join our team as an Underwriter & Business Developer. This role will support the continued growth and administration of our existing collateralized loan business while also playing a key underwriting role as Ameta expands into small business cash advance and MCA-related financing. 

The ideal candidate is a true dealmaker, someone who can help originate new business, evaluate opportunities, structure transactions, and manage risk with sound judgment. Your expertise will directly influence responsible lending decisions, strengthen operational execution, and support both portfolio integrity and growth.

Responsibilities:

Business Development and Origination:

• Build and manage a high-quality deal pipeline through outbound outreach, referrals, existing relationships, and strategic partnerships.
• Identify and pursue new business opportunities across small business cash advance and collateralized lending products.
• Develop strong relationships with clients, brokers, referral partners, and strategic partners to drive repeat and referral business.
• Lead client and partner conversations from initial opportunity through negotiation, underwriting, approval, and close.

Underwriting, Risk and Credit Analysis:

• Underwrite MCA, small business finance, and collateralized loan opportunities through review of financial statements, tax returns, bank statements, cash flow, credit profile, business performance, and repayment capacity.
• Analyze borrower and merchant risk, including revenue trends, balances, existing obligations, payment history, industry risk, liens, judgments, UCC filings, and other risk indicators.
• Evaluate collateralized loan opportunities by reviewing collateral type, valuation, marketability, liquidity, advance rate, LTV, and liquidation risk.
• Structure and negotiate transactions, including funding amount, pricing, repayment terms, collateral requirements, guarantees, stipulations, and closing conditions.
• Identify red flags, fraud indicators, undisclosed obligations, document irregularities, stacking risk, collateral issues, and other credit or operational risks.
• Prepare clear financial summaries, credit memos, risk assessments, and approval recommendations.

Portfolio, Pipeline and Client Management:

• Support collateral documentation, perfection, custody, control, and monitoring processes with legal, operations, finance, and servicing teams.
• Monitor portfolio performance, borrower activity, collateral values, repayment trends, delinquencies, renewals, extensions, and early warning indicators.
• Maintain accurate pipeline, underwriting, and client activity records in the CRM and internal systems.
• Provide regular updates on deal flow, conversion rates, approvals, declines, revenue performance, and portfolio trends.
• Ensure a professional client experience from initial contact through funding and post-closing follow-up.

Requirements:

• 5+ years of experience in MCA, specialty finance, secured lending, asset-based lending, private credit, commercial lending, or similar financial services.
• Proven experience in underwriting, credit analysis, deal structuring, risk assessment, and borrower repayment analysis.
• Strong understanding of financial statements, bank statements, cash flow, collateral valuation, LTV analysis, secured transactions, and borrower risk.
• Ability to identify fraud indicators, document inconsistencies, undisclosed obligations, stacking risk, collateral issues, and underwriting red flags.
• Skilled negotiator with strong judgment, financial acumen, attention to detail, and documentation discipline.
• Experience with CRM systems, underwriting platforms, pipeline tracking, and portfolio reporting tools.

Compensation:

• Base salary: $80,000-$100,000

Benefits:

• Medical, Vision, and Dental Insurance
• Paid Time Off: Paid Sick Days, Paid Vacation Days, Paid Holidays
• Flexible Spending Account
• ADP Employee Assistance Program
• Commuter Benefits

Schedule: Monday–Thursday: 9:30 AM – 6:00 PM and Friday: 9:00 AM – 5:00 PM