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