Senior Underwriter
On-site · Corporate · Full-Time
Aventura, Florida, United States
Aventura, Florida, United States
Description
At United Capital America, we move capital with purpose — structuring deals that unlock growth, preserve cash flow, and de-risk business expansion. Our underwriting process is where it all begins — and we’re looking for a Senior Underwriter who can balance precision with velocity, and risk with opportunity.
This is not a checklist job. It’s strategic thinking applied to real businesses, daily. You’ll underwrite merchant deals, real estate transactions, and specialty credit structures — ensuring that every funding decision is sound, timely, and aligned with our standards of integrity and performance.
Your Core Role:
- Lead credit reviews and underwriting across our small-business financing verticals, including working capital, bridge loans, cash-out refinances, and merchant advances
- Perform deep analysis of bank statements, cash flow, debt schedules, and operational performance
- Assess creditworthiness based on trends: revenue fluctuations, deposit activity, NSF/overdraft behavior, and seasonal patterns
- Coordinate with sales and compliance teams to finalize offer terms and underwriting conditions
- Evaluate real estate deals with a focus on LTV, property type, collateral value, and sponsor strength
- Deliver smart, risk-balanced offers — fast — without compromising judgment
What You’ll Need:
- 3+ years of direct underwriting or credit analyst experience (small business or CRE)
- Strong financial acumen — you read statements like a second language
- Mastery of risk assessment for non-bankable files and unconventional borrowers
- Familiarity with merchant cash advance, asset-backed lending, or real estate lending
- High attention to detail — but never at the cost of speed
- Strong written communication — your approvals tell the story behind the numbers
What We Offer:
- Competitive salary + performance bonuses
- Executive-level exposure to real-world deals daily
- Direct pipeline flow — not theoretical work
- Role autonomy, respect for your expertise, and a seat at the decision-making table
- Opportunity to build lasting funding strategies for real clients, not just models
At United Capital America, we move capital with purpose — structuring deals that unlock growth, preserve cash flow, and de-risk business expansion. Our underwriting process is where it all begins — and we’re looking for a Senior Underwriter who can balance precision with velocity, and risk with opportunity.
This is not a checklist job. It’s strategic thinking applied to real businesses, daily. You’ll underwrite merchant deals, real estate transactions, and specialty credit structures — ensuring that every funding decision is sound, timely, and aligned with our standards of integrity and performance.
Your Core Role:
- Lead credit reviews and underwriting across our small-business financing verticals, including working capital, bridge loans, cash-out refinances, and merchant advances
- Perform deep analysis of bank statements, cash flow, debt schedules, and operational performance
- Assess creditworthiness based on trends: revenue fluctuations, deposit activity, NSF/overdraft behavior, and seasonal patterns
- Coordinate with sales and compliance teams to finalize offer terms and underwriting conditions
- Evaluate real estate deals with a focus on LTV, property type, collateral value, and sponsor strength
- Deliver smart, risk-balanced offers — fast — without compromising judgment
What You’ll Need:
- 3+ years of direct underwriting or credit analyst experience (small business or CRE)
- Strong financial acumen — you read statements like a second language
- Mastery of risk assessment for non-bankable files and unconventional borrowers
- Familiarity with merchant cash advance, asset-backed lending, or real estate lending
- High attention to detail — but never at the cost of speed
- Strong written communication — your approvals tell the story behind the numbers
What We Offer:
- Competitive salary + performance bonuses
- Executive-level exposure to real-world deals daily
- Direct pipeline flow — not theoretical work
- Role autonomy, respect for your expertise, and a seat at the decision-making table
- Opportunity to build lasting funding strategies for real clients, not just models
