Final Underwriter Supervisor - Utah

Company Overview:

Mckenzie Capital (MckCap) is a fast-growing FinTech company headquartered in Miami, Florida. MckCap offers underserved small businesses with a wide variety of flexible financing and funding options to help entrepreneurs acquire the working capital they NEED to take their businesses to the next level.

We are expanding to Utah and want to work with high-performing badasses that will play an integral part in our expansion of the company. We understand one thing: it all comes down to working with the right people and enabling them to do what they do best. This full-time position will work on credit decisioning and analysis for our Small Business Loans.

The Final Underwriter Supervisor will report directly to the Director of Credit Operations and will be responsible for the final due diligence and funding of new and renewal business loans.

The ideal candidate will have 5+ years’ experience in finance, underwriting risk, or analytic roles. They should be comfortable in a fast-paced, entrepreneurial environment, be driven to succeed, and be highly analytical & detail-oriented. We offer a competitive compensation package and a comprehensive benefits program.

Why Join Us?

At MckCap, we foster a dynamic and inclusive company culture that emphasizes collaboration, innovation, and personal growth. Our team is composed of passionate, driven individuals who are committed to making a difference. Here's what you can expect when you join our team:

• Innovative Environment: Work with cutting-edge technology and be part of a team that is constantly pushing the boundaries of fintech
• Professional Growth: We invest in our employees' growth with continuous learning opportunities, training programs, and career advancement paths
• Supportive Culture: Enjoy a supportive and inclusive work environment where your ideas are valued, and your contributions make a real impact
• Community Focus: Be part of a company that understands the importance of small and mid-sized businesses to their communities and the nation's financial health
• High-Performing Team: Join a team of badasses who are committed to excellence and are integral to our company's expansion and success

Essential responsibilities include:

• Review and make final funding decisions on high-volume and high-risk deals, for our Small Business Loans.
• Conduct in-depth analysis of financial statements, cash flow, bank and credit card processing statements, and industry-specific documentation.
• Assess overall business viability, identify red flags, and determine risk exposure in each transaction.
• Supervise day-to-day Pricing & Funding operations and act as the primary site leader for our new SLC site.
• Coach, train, and mentor junior and intermediate underwriters to develop analytical capabilities and improve decision-making consistency.
• Collaborate with Sales, Credit, and Collections teams to support a smooth lending process and client satisfaction.

• Bachelor’s degree in Finance, Economics, Accounting, or related field required; MBA or professional certification (e.g., CFE, CFA) a plus.
• Minimum of 5+ years in Small Business Loan underwriting, with at least 1-2 years in a leadership or supervisory role.
• Deep understanding of small business financials, risk modeling, and underwriting for loans.
• Demonstrated ability to lead teams, make sound credit decisions, and manage risk.
• Proficient in Excel, underwriting platforms, CRM systems, and credit reporting tools.
• Strong analytical, organizational, and interpersonal communication skills.
• Willing to travel to our Miami Office – including the first 3 weeks for training.
• Bilingual in English & Spanish.

• Health insurance: medical, dental, and vision programs
• Life insurance
• Paid Time Off
• Excellent career growth opportunity
• Cultural activities: include fun events, recognition programs, company meals, and much more

We offer a competitive compensation package and a comprehensive benefits program. Our Culture is amazing! We have been recipients of many consecutive distinguishing awards for being the employer of choice, best places to work in South Florida, and others.

MckCap is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability, or veteran status.