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About the Role
The Senior Credit Underwriter (VP) role is a key position in the Credit team responsible for undertaking and presenting robust credit risk analysis to support relationship-led loan requests from the Commercial & Industrial (C&I) team. This role reports to the Senior Credit Officer of C&I.
Responsibilities
- Manage comprehensive financial and credit risk analysis for loan requests, including financials, projections, industry/market, structure, management, and environmental factors.
- Demonstrate deep understanding of credit risks and mitigants, presenting clearly and concisely in risk-focused credit proposals for submission to the appropriate approval authority.
- Collaborate with Lending Officers throughout the transaction process, ensuring timely and accurate financial information.
- Attend client meetings and/or site visits as appropriate.
- Address all credit-related questions from the approval authority efficiently and effectively.
- Contribute effectively at Credit Committee and other Committee meetings.
- Provide guidance and oversight for more junior credit underwriters.
- Assist in the completion of various monthly, quarterly, or ad hoc reports.
- 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.
- Exhibit a 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.
- Ability to 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 work.
Skills
- Financial modeling
- Analytical skills
- Written communication
- Verbal communication
- Collaboration
- Teamwork
- Coaching
- AI fluency
- Technological innovation
Location
- New York City, NY
- Lakewood, NJ
- Miami, FL
Work Type
- Hybrid (4 days in-office, 1 day remote)
Experience Level
- Senior
- VP
Education Level
- Bachelor's degree in Business, Accounting or Finance
- Equivalent experience
Salary/Compensations
- $150,000 - $185,000 annually
Benefits
- Bonus pay
- 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 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.
- Named one of Newsweek’s Best Regional Banks in 2024 and 2025.
- Received Editor’s Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking.
- Earned Great Place To Work certification in 2026.
- Received the Web Award Standard of Excellence for MCBankNY.com.
- A client-focused organization that values technological innovation and excellence.
- Fosters 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.