Senior Underwriter

Senior Underwriter

Location:

North Miami Beach, FL

Compensation: $125K–$200K OTE
A high-growth specialty finance platform serving small and mid-sized businesses is hiring a Senior Underwriter to drive credit quality across both MCA and private credit products.
This is a high-impact underwriting seat focused on making fast, disciplined decisions that protect portfolio performance while supporting sustainable originations.

What You'll Do

• Underwrite and decision MCA and private credit opportunities using bank statements, cash flow, and credit data

• Structure terms and conditions aligned to risk policy and return targets

• Approve, decline, or counter with clear rationale and strong credit judgment

• Evaluate layered risk factors across borrower profile, payment behavior, and deal structure

• Partner with sales/originations to maintain speed without compromising credit quality

• Identify risk/fraud signals early and escalate appropriately

• Monitor portfolio trends and provide feedback that improves guidelines and decision consistency

• Help reinforce underwriting standards and best practices across the team

What We're Looking For

• 4+ years of underwriting experience in MCA, SMB lending, fintech lending, or specialty finance

• Strong ability to assess cash flow quality and repayment capacity

• Experience balancing volume, speed, and disciplined risk management

• Confidence making decisions on imperfect/real-world files (not just clean paper)

• Strong communication and ability to explain decisions clearly to cross-functional teams

• Must be comfortable working fully on-site in North Miami Beach, FL

Why This Role

• Direct impact on portfolio quality and company performance

• Exposure to both MCA and private credit underwriting

• Opportunity to shape underwriting outcomes in a fast-moving lending environment