Senior Underwriter

Craft Recruiting

Miami (FL)

On-site

USD 80,000 - 120,000

Full time

9 days ago

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Benefits offered by this job

Relocation assistance

Medical benefits

Job summary

Craft Recruiting seeks a Senior Underwriter to serve as the final underwriting decision-maker for MCA and revenue-based financing deals with an average size of about $50k. You will interview merchants, assess repayment risk, and structure offers that balance competitiveness with portfolio protection.

This is a hands-on, ground-floor role reporting to leadership, with a clear path to higher leadership as the company scales. Onsite daily in Miami with relocation support.

Qualifications

5+ years of revenue-based financing or merchant cash advance underwriting experience.
Proven ownership of final underwriting decisions.
Experience interviewing merchants and evaluating repayment risk.
Track record of portfolio protection and risk mitigation.
Willingness to be onsite daily in Miami; relocation supported.

Responsibilities

Lead final underwriting for MCA/revenue-based financing deals (~$50k average size).
Conduct repayment capacity reviews and portfolio risk assessments.
Run direct merchant interviews to assess needs and risks.
Collaborate with junior underwriters and pricing to balance offers.
Protect the firm's capital with a portfolio-management mindset.

Skills

MCA underwriting

Final underwriting

Risk analysis

Merchant interviews

Portfolio protection

Job description

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 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

Skills and Competencies

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