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About the Role

The Commercial Loan Portfolio Manager is the primary contact for established borrowing clients. This position manages all aspects of portfolio management for assigned loans, cross-sells Bank products and services, and liaises with other bank departments including credit, compliance, operations, and treasury management. The role requires a strong technical mindset, AI fluency, and adaptive skills to drive success and foster human-AI teaming.

Responsibilities

Protect the Bank’s assets and maintain portfolio quality by adhering to lending processes, policies, procedures, legal and ethical requirements, regulations, audit requirements, and risk management guidelines.
Ensure all Commercial Banking Business conforms to Bank Policies and other guidelines.
Support internal audits and regulatory examinations by providing documentation and compliance reporting.
Exercise discretionary limits, ensuring credit decisions and recommendations align with sound credit-granting principles and Bank policies.
Adhere to Know Your Customer Rules and Bank Policies & Procedures for fraud prevention.
Identify and report suspicious transactions related to money laundering.
Complete AML/KYC due diligence in a timely manner.
Process credit requests, including amendments and waivers, in coordination with the credit department.
Oversee documentation and ongoing monitoring of asset and client performance.
Actively manage the portfolio to maximize return and credit quality.
Prepare and oversee the preparation of credit correspondence.
Obtain credit concurrence as a client advocate.
Monitor loan covenants to identify deteriorating credit conditions and compliance with loan agreements.
Ensure timely collection and delivery of documentation for renewals/reviews to credit.
Identify new lending and cross-sell opportunities by developing and maintaining strong client relationships.
Develop a comprehensive understanding of commercial lending clients.
Maintain key ongoing contact with clients in conjunction with Commercial Lenders.
Engage in daily dialogue with Commercial Lenders regarding new client developments.
Partner with treasury and deposit teams to support client needs.
Collaborate across finance, credit administration, and other internal groups to support portfolio reporting, internal reviews, and external deliverables.
Lead end-to-end due diligence for new transactions, coordinating with borrowers, legal counsel, third-party providers, and internal stakeholders.
Manage a large, diversified commercial loan portfolio as part of a front-line relationship management team.
Prepare preliminary deal screens, term sheets, and supporting materials for new and expanding credit opportunities.
Draft credit submission memoranda and maintain accurate pipeline tracking.
Conduct on-site visits and meetings with borrowers to evaluate collateral quality, management strength, and operational risks.
Review loan documentation for consistency with approved credit terms.
Coordinate and negotiate revisions with legal counsel and counterparties.
Manage pre-closing conditions and ensure all credit and documentation requirements are satisfied prior to funding.
Lead credit renewals, re-underwriting efforts, modifications, and extensions.
Present recommendations to senior management.
Monitor borrower financial performance, analyze financial statements, track covenant compliance, and identify early warning indicators.
Prepare executive- and board-level portfolio reporting.

Requirements

An undergraduate degree or equivalent work experience; Focal areas of finance, economics, or accounting preferred.
3 plus years of commercial banking or equivalent experience.
Experience in a client facing role.
Strong investigatory, due diligence and risk analysis skills.
Familiarity with loan and other contractual documentation highly desirable.
Diligent, detail-oriented and thorough.
Persistent and willing to follow through to resolve and document issues appropriately.
In-depth understanding of Commercial Products, Commercial Lending Process, Commercial Lending Directives, and supporting processes and technology.
Working knowledge and ability to execute Risk Management practices and strategies.
Able to work independently with minimal supervision.
Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance work.
Proven credit analysis experience/understanding (preferred).
Successful completion of a formal bank sponsored credit training program or formal training or experience in an underwriting role (preferred).

Skills

AI fluency
Adaptive skills
Risk Management practices and strategies
Credit analysis

Location

New York City
Lakewood, New Jersey
Miami, Florida

Work Type

4-day in-office requirement
1 day remote

Experience Level

3 plus years of commercial banking or equivalent experience

Education Level

Undergraduate degree or equivalent work experience

Salary/Compensations

$120,000 - $150,000 annually

Benefits

Bonus
Incentive pay

About the Company

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.
Metropolitan Commercial Bank offers a comprehensive suite of commercial, business, and personal banking products and services.
The Bank has earned national recognition for its financial performance, innovation, and strategic growth.
The Bank was named one of Newsweek’s Best Regional Banks in 2024 and 2025.
MCB recently received Editor’s Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking.
In 2026, the Bank earned Great Place To Work certification and received the Web Award Standard of Excellence for MCBankNY.com.
We are a client-focused organization that values technological innovation and excellence.
We foster human–AI teaming and strong governance to ensure technology is used responsibly and in alignment with Bank policies and procedures.

Equal Opportunity

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.
MCB maintains a drug free workplace.