Senior Underwriter

Salary$100,000-$200,000 / yearWe are partnering with a fast-growing financing firm to hire a Senior Underwriter for their revenue-based financing business. This is the first senior underwriting hire and a ground-floor opportunity to define underwriting standards, protect the portfolio, and partner directly with leadership as the company scales. Defined As a Senior Underwriter, you will be the trusted final decision-maker on merchant cash advance and revenue-based financing deals (average size ~$50k). You'll run merchant interviews, conduct deep risk analysis, and structure offers that balance competitiveness with repayment sustainability. This role sets the tone for risk culture and has a clear path to Director of Underwriting or CRO.Why This Role is Essential Sound underwriting is the backbone of sustainable financing. Your ability to analyze repayment capacity, evaluate risks, and protect the portfolio ensures capital is deployed responsibly and the business can scale with integrity.Background Great candidates for this role may come from:5+ years of revenue-based financing or merchant cash advance underwriting experienceProven ownership of final underwriting decisions, not just junior or pre-fill workExperience with A/B paper deals (~$1M revenue businesses, 600–700 FICO, strong payment history)Track record of conducting merchant interviews and probing repayment riskSteady career progression without chronic job-hoppingWhat You'll DoLead final underwriting for MCA/revenue-based financing deals (~$50k average size)Conduct repayment capacity reviews, default analysis, and portfolio risk assessmentsRun direct interviews with merchants to evaluate needs, risks, and financing suitabilityCollaborate with junior underwriters and pricers to structure balanced offersProtect the firm's capital by acting with a portfolio manager mindsetSkills and CompetenciesRequired:5+ years of MCA/revenue-based financing experience with final underwriting responsibilityStrong analytical skills for repayment, default, and risk evaluationComfort running direct merchant interviews and assessing repayment honestyIntegrity, resilience, and ability to thrive in a competitive industryWillingness to be onsite daily in Miami (relocation supported)Desired:Experience mentoring junior underwriters or leading risk cultureBackground in firms such as Credibly, Fox Funding, Vox, Libertas, Wallstreet Funding, Simply (avoid CFG/Specialty Capital)Portfolio protection mindset with a record of long-term success in deal screeningWhat's In It for YouCompetitive base salary ($80k–$120k) plus performance upside (OTE: 150-$200K)Direct CEO exposure and leadership visibilityGround-floor role with clear growth into Director or CRORelocation assistance and medical benefits provided