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About 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.

Responsibilities

• Lead underwriting and deal sign off on deals up to £1,000,000 (GBP), $1.5M (AUD) and $1M (CANADIAN)
• Analyze 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

Requirements

• 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
• 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

Skills

• Unsecured, short term SME underwriting

Location

• Miami, United States
• New York, United States

Work Type

• Full-time

Experience Level

• Senior

Salary/Compensations

• Competitive salary

Benefits

• Opportunities to grow with a company that’s scaling quickly
• A chance to contribute to a mission driven company

About the Company

• 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.
• 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.
• 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.