Commercial Services - Senior Commercial Credit Analyst

Responsibilities

• Analyze and underwrite complex commercial loan requests across C&I, construction, and commercial real estate portfolios
• Review financial statements, tax returns, cash flow, collateral, and industry trends to assess overall credit risk
• Partner with lenders to develop clear, well-supported loan presentations and recommendations
• Conduct annual reviews, renewals, modifications, and risk rating assessments for existing credit relationships
• Identify potential risks and recommend appropriate credit structures and mitigating strategies
• Collaborate with internal stakeholders and third-party partners (e.g., appraisers, environmental professionals) as part of the due diligence process
• Participate in borrower meetings alongside Relationship Managers to gain insight into business operations and management teams
• Provide guidance and mentorship to junior analysts, supporting development and consistency across the team

Requirements

• Bachelor’s degree or equivalent combination of education and experience
• 4+ years of commercial credit or lending experience
• Strong experience analyzing C&I, construction, and commercial real estate transactions
• Excellent analytical, financial modeling, and research skills
• Strong attention to detail with the ability to produce accurate, thorough work
• Able to manage multiple priorities, meet deadlines, and work independently
• Strong written and verbal communication skills with the ability to clearly present complex analysis
• Proficiency in Excel and familiarity with loan systems (Loan Vantage or similar preferred)
• Able to exercise sound judgement and make informed credit recommendations
• High level of professionalism and ability to maintain confidentiality of sensitive information

Pay

$ 96,645 – $130,755

The salary range listed gives a general idea of what we expect to offer. We consider your experience, unique strengths, and the impact you’re likely to make in the role. On top of that, we offer a competitive benefits package and other perks that round out the total compensation.

Benefits

• Comprehensive Benefits: Health, Dental, and Vision coverage for employees working minimum of 20 hours/week; Metro provides assistance toward premiums and copays
• Sales Incentives; annual retention bonus vesting program
• Three weeks paid vacation; 11 paid holidays
• 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement. Metro contributes 3% regardless of employee’s contribution
• Wellness Incentives; Employee Assistance Program; Flexible Spending Account; Health Savings Account; Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans;$150/Quarter reimbursements for wellness and lifestyle expenses
• Discounts on Pet Insurance
• Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your long-term career goals
• Growing, dynamic environment - no day is ever the same and join an exceptional team of co-workers
• Exceptional training program (classroom, on-the-job, and mentoring)
• Stable and growing organization