Senior Underwriter
Miami, FL US
Job Description
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 experience
- Proven ownership of final underwriting decisions, not just junior or pre-fill work
- Experience with A/B paper deals (~$1M revenue businesses, 600–700 FICO, strong payment history)
- Track record of conducting merchant interviews and probing repayment risk
- Steady career progression without chronic job-hopping
What You'll Do
- Lead final underwriting for MCA/revenue-based financing deals (~$50k average size)
- Conduct repayment capacity reviews, default analysis, and portfolio risk assessments
- Run direct interviews with merchants to evaluate needs, risks, and financing suitability
- Collaborate with junior underwriters and pricers to structure balanced offers
- Protect the firm's capital by acting with a portfolio manager mindset
Required:
- 5+ years of MCA/revenue-based financing experience with final underwriting responsibility
- Strong analytical skills for repayment, default, and risk evaluation
- Comfort running direct merchant interviews and assessing repayment honesty
- Integrity, resilience, and ability to thrive in a competitive industry
- Willingness to be onsite daily in Miami (relocation supported)
Desired:
- Experience mentoring junior underwriters or leading risk culture
- Background 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 screening
What's In It for You
- Competitive base salary ($80k–$120k) plus performance upside (OTE: 150-$200K)
- Direct CEO exposure and leadership visibility
- Ground-floor role with clear growth into Director or CRO
- Relocation assistance and medical benefits provided
Meet Your Recruiter
Roy Evans
Managing Director
Roy Evans is a record setting recruiter noted for consistently excelling and for the innovative systems he has developed. A well know industry trainer has anointed Roy as being in the top 5% of all recruiters worldwide both in terms of production and skill level.
Roy uses “RoyLentless” effort, world-class technology and great process to attract professionals with the drive, discipline and motivation to deliver extraordinary results for his clients.
LinkedIn has crowned Roy as someone who could write a book on using LinkedIn as one of its top 1% in recruiter users. Roy is LinkedIn Certified and a charter member of the Association of Talent Acquisition Professionals.
In his spare time, Roy is a college football fan who enjoys fishing, fitness and spending time with his wife and two children.