Senior Underwriter

Location: North Miami Beach, FL (on-site)

Schedule: Monday–Friday, 9:00 AM – 5:30 PM

Compensation: $80,000/year

Type: Full-time

About Us

Fusion Funding is a direct lender in the merchant cash advance industry, providing fast, flexible working capital to small and mid-sized businesses. We operate in a fast-paced environment and value integrity, accountability, teamwork, and excellent service to our merchants and partners. As our team grows, we’re looking for an experienced Senior Underwriter to help lead our underwriting function .

Role Overview

The Senior Underwriter will own the full underwriting process on eligible deals, from due diligence and risk assessment to pricing and final terms. This role combines sharp analytical judgment with strong communication skills, and serves as a go-to resource for other underwriters on the team.

Key Responsibilities

Underwriting & Risk Assessment

• Perform full due diligence on eligible deals, including credit review, bank statement and financial document analysis, merchant research, and site inspection review
• Evaluate credit risk and the overall financial health of MCA applicants
• Make sound underwriting decisions and determine appropriate funding amounts based on each business’s financial position
• Present pricing, stipulations, and terms within risk parameters
• Identify red flags, inconsistencies, and potential fraud

Communication & Collaboration

• Conduct merchant interviews and gather additional information or clarification as needed
• Communicate funding offers and underwriting decisions to ISOs and merchants clearly and professionally
• Work closely with sales, processing, and business development to finalize contracts and keep deals moving
• Perform renewal outreach on eligible deals

Leadership & Portfolio Oversight

• Serve as a resource and mentor to other underwriters on bank review, due diligence, stipulations, and pricing
• Monitor the performance of existing portfolio accounts and take proactive steps to address emerging risks
• Use CRM systems and underwriting software to streamline review and identify trends in financial data
• Maintain accurate, thorough documentation of underwriting decisions in line with company standards

Qualifications

• 3–5+ years of underwriting experience in the merchant cash advance industry
• Expert-level bank statement analysis and cash flow assessment
• Strong valuation, modeling, and Excel skills
• Experience with CRM systems and underwriting software
• Excellent judgment, attention to detail, and ability to make decisions under deadlines
• Strong communication and interpersonal skills
• Bachelor’s degree in finance, accounting, or a related field preferred
• Able to work on-site in North Miami Beach, Monday–Friday

What We Offer

• $80,000 annual salary
• Health insurance
• Paid time off and paid holidays
• Opportunity to lead and grow with an expanding team
• Collaborative, in-office work environment

How to Apply

Submit your resume and a brief cover letter outlining your MCA underwriting experience.

Fusion Funding is an equal opportunity employer.