Mcl Finance

Senior Underwriter

Location: Miami or NY, United States

WHO IS ROOK BRISTOL

Rook Bristol is a cross-border lending group providing structured capital to high-growth businesses across the UK, United States, Canada and Australia. We originate, underwrite and deploy credit with precision - backing businesses that have been vetted, structured and approved through our servicing partners. Our edge is discipline: rigorous credit standards, clean structures and capital that performs.

We don't chase volume. We back quality.

OUR MISSION

To deploy institutional-grade capital into underserved lending markets - with the rigour of a credit investor and the speed of a modern lender.

Smarter Capital. Faster Decisions. Built for Business.

THE PERFECT FIT

We operate at the intersection of institutional lending and international finance. The standards are high and the work is consequential. If you are energised by complexity, precision and the discipline of cross-border credit operations, you will thrive here.

To succeed, you’ll need:

• Deep underwriting capability and the credibility to review files across multiple jurisdictions
• Understanding business cashflow statements and underwriting in the jurisdictions we’re live to
• Sound commercial judgement combined with a lender's instinct for risk
• Resilience and composure in a high-standards, fast-moving environment

THE ROLE

We’re looking for a sharp, decisive Senior Underwriter to take ownership of credit decisions across our deal flow. You’ll assess risk, structure approvals, and work closely with our network of brokers and service providers to approve good deals fast — and stop bad ones faster. This is a high-impact role where commercial instinct, precision, and pace are essential.

KEY RESPONSIBILITIES

• Lead underwriting and deal sign off on deals up to £1,000,000 (GBP), $1.5M (AUD) and $1M (CANADIAN)
• Analyse presented financials, bank data, and open banking feeds to assess creditworthiness as well as recommendations from our network of service providers
• Apply credit risk policies while spotting smart exceptions
• Structure offers that balance speed, risk, and commercial value
• Escalate and advise on edge cases and complex scenarios
• Ensure underwriting documentation and CRM accuracy is kept up to date by service providers
• Coach junior underwriters and support continuous credit policy refinement

What we’re looking for

• Highly organised — nothing gets missed, nothing gets dropped
• Thrives in fast-paced environments with multiple moving parts
• Clear, professional communicator with a commercial edge
• Self-starter who stays aligned with team goals

Bonus: Experience in unsecured, short term SME underwriting in a number of markets

Our Offer?

1. A fast, focused environment where your impact is immediate
2. Ownership over your work and a voice in how we improve
3. Opportunities to grow with a company that’s scaling quickly
4. A team that values clarity, pace, and practical thinking
5. Competitive salary and path for progression
6. A chance to contribute to a mission driven company

Think you’re a fit? Let’s talk.