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