Come work with us:

Metropolitan Commercial Bank, The Entrepreneurial Bank Since 1999, is headquartered in New York City and operates full-service banking centers in Manhattan; Boro Park, Brooklyn; and Great Neck, Long Island. Metropolitan Commercial Bank is a New York State chartered commercial bank, an FDIC member and an equal opportunity lender. The parent company of Metropolitan Commercial Bank, Metropolitan Bank Holding Corp., is a publicly traded company.

Did you know? Metropolitan Commercial Bank was named by Piper Sandler as one of the Bank & Thrift SMS-All Stars for the year 2022!

About the role:

The Senior Credit Underwriter (VP) role is a key position in our Credit team responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial & Industrial (C&I) and Commercial Real Estate (CRE) teams. The role will primarily focus on C&I (Healthcare/Skilled Nursing Facilities) and the individual will be expected to deal with the most complex transactions.

Duties and responsibilities of the job include the following (but is not limited too):

• For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management and environmental.
• Demonstrating deep understanding of credit risks and mitigants, presenting clearly and concisely in risk focused credit proposals for submission to the appropriate approval authority.
• Work collaboratively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate.
• Strong understanding of compliance, regulations and the Bank's commercial lending policies, clearly outlining any exceptions to policy and supporting rationale in the credit proposal.
• Ensure all credit related questions from the approval authority are addressed efficiently and effectively.
• Contribute effectively at Credit Committee and other Committee meetings as appropriate.
• Provide guidance and oversight for more junior credit underwriters.
• Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary.
• Assisting in gathering information required by Bank examiners and internal audit.
• Lead ad hoc credit risk projects with limited oversight.

Preferred experience, education, and qualifications:

• Bachelor's degree in Business, Accounting or Finance; or equivalent experience
• Minimum 7 years in credit related field, preferably in a banking environment with C&I / Leveraged lending
• Strong analytical / financial modeling skills
• Excellent written and verbal communication skills
• Strong interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders.
• Strong team player with desire to develop and coach less experienced members of the team
• Perform quality work within determined timeframes
• Interact professionally with other employees, customers, vendors and shareholders
• Work independently while understanding the necessity for communicating and coordinating work efforts with other employees, departments, divisions, etc.
• Work on ad-hoc tasks, assignments and projects as needed

Potential Salary: $140,000 - $195,000 annually

This salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law.

Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.