Senior Credit Underwriter (C&I)

Metropolitan Commercial Bank (“MCB” or the “Bank”) is a New York City–based, full-service commercial bank providing tailored banking solutions to businesses, institutions, and individuals. Founded in 1999, MCB operates banking centers in Manhattan and Boro Park, Brooklyn, within New York City, as well as in Great Neck on Long Island, New York, and Lakewood, New Jersey. The Bank recently expanded to Miami, Florida with their newest Brickell banking center. MCB offers a comprehensive suite of commercial, business, and personal banking products and services to small businesses, middle-market and corporate enterprises, private and public institutions, municipalities, and local government entities. The Bank has earned national recognition for its financial performance, innovation, and strategic growth, including being named one of Newsweek’s Best Regional Banks in 2024 and 2025, receiving Editor’s Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking, and earning Great Place To Work certification.

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) team. This role will report to the Senior Credit Officer of C&I.

Responsibilities

• Manage comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management, and environmental.
• Demonstrate 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.
• 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.
• Assist in the completion of various monthly, quarterly, or ad hoc reports as necessary.
• Assist in gathering information required by Bank examiners and internal audit.
• Lead ad hoc credit risk projects with limited oversight.

Requirements

• Bachelor’s degree in Business, Accounting, or Finance; or equivalent experience.
• Minimum 7 years in a credit-related field, preferably in a banking environment with C&I experience including small business banking lending and healthcare lending.
• 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.
• Strong analytical and financial modeling skills.
• Excellent written and verbal communication skills; collaborate with key internal and external stakeholders.
• Team player with a desire to develop and coach less experienced members of the team.
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do.

Schedule

Standard 4-day in-office requirement, 1 day remote (of your choosing and subject to manager’s approval).

Pay

Potential salary: $150,000 - $185,000 annually. This salary range reflects base wages and does not include benefits, bonus, or incentive pay. Final offer amounts are determined by multiple factors including candidate experience and expertise.