Full-Time

Senior Credit Underwriter

Commercial Real Estate, Cre

Updated on 3/13/2025

Metropolitan Commercial Bank

Metropolitan Commercial Bank

201-500 employees

Provides commercial and personal banking services

Compensation Overview

$150k - $175kAnnually

+ Bonus + Incentive Pay

Senior

New York, NY, USA

Category
Real Estate
Real Estate Finance
Required Skills
Financial Modeling
Requirements
  • Bachelor’s degree in Business, Accounting or Finance; or equivalent experience
  • Minimum 7 years in credit related field, preferably in a banking environment with CRE lending
  • Strong analytical / financial modeling skills
  • Ability to multi-task, work at speed to meet challenging deadlines, while maintaining high levels of accuracy
  • 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
  • Working knowledge of all MS Office Suite products and appetite to learn core database management programs
  • Knowledge and experience of all key segments of the CRE industry, with particular focus on the Tri-State region.
  • Management experience, setting goals, motivating, coaching and managing performance of team members.
Responsibilities
  • For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, global cash flows, REO schedules, industry/market, structure, management, terms 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.
  • Analyze third party appraisals, challenge appraiser assumptions and sensitize in your credit analysis. Review appraisal analysis undertaken by more junior credit underwriters.
  • 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.
Metropolitan Commercial Bank

Metropolitan Commercial Bank

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Metropolitan Commercial Bank provides a variety of banking services tailored for both businesses and individuals. It focuses on commercial and personal banking, offering products such as business checking accounts, deposits, loans, and treasury management. The bank is particularly known for its expertise in global payments and digital compliance, which helps ensure secure transactions for its clients. Unlike many traditional banks, Metropolitan Commercial Bank emphasizes its support for fintech companies by providing a developer portal for API integration, allowing businesses to enhance their digital services. The bank aims to generate revenue through interest on loans, service fees, and transaction processing, while its goal is to meet the specific needs of entrepreneurs and businesses in a rapidly evolving financial landscape.

Company Size

201-500

Company Stage

IPO

Headquarters

New York City, New York

Founded

1999

Simplify Jobs

Simplify's Take

What believers are saying

  • Increased demand for digital banking solutions due to fintech growth.
  • Expansion of real-time payment systems enhances global and issuer payment services.
  • Growing interest in sustainable finance attracts environmentally conscious clients.

What critics are saying

  • Increased competition from digital-only banks like Revolut in the U.S.
  • Potential overexposure to commercial real estate lending if market declines.
  • Leadership changes may lead to strategic shifts or instability.

What makes Metropolitan Commercial Bank unique

  • Leader in global payments and issuer payments with strong digital compliance.
  • Offers a developer portal for API integration, enhancing digital service offerings.
  • Focuses on fintech partnerships, catering to modern business banking needs.

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Benefits

Performance Bonus

Company News

Business Wire
May 3rd, 2024
Metropolitan Bank Holding Corp. Announces Completion of Initial Public Offering of Common Stock

Metropolitan Bank Holding Corp. (NYSE:MCB) (“Metropolitan”) today announced that it has completed its initial public offering of 3,565,000 shares of i

Seeking Alpha
Nov 6th, 2023
Metropolitan Bank promotes treasurer Daniel Dougherty to CFO

Metropolitan Bank promotes treasurer Daniel Dougherty to CFO.

ArtsMemphis
Feb 9th, 2022
Metropolitan Commercial Bank merged with Renasant Bank on Jan 1st 17'.

It is named in honor of Emmett O'Ryan, a founding Board Member of Metropolitan Bank, which merged with Renasant in 2017.

Valdosta Daily Times
Nov 3rd, 2021
Metropolitan Commercial Bank recognized as 100 Fastest-Growing Companies for 2021

Metropolitan Commercial Bank is proud to announce that it has been included in Fortune’s 100 Fastest-Growing Companies for 2021.

Commercial Observer
Jun 30th, 2021
Barone Management Nabs $32M Refinance for 2 Queens Charter Schools 

Barone Management has secured $32 million in financing from Metropolitan Commercial Bank for two adjacent charter schools in Jamaica, Queens, Commercial Observer has learned.