Credit Underwriter

Come work with us:

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. The Bank was named one of Newsweek’s Best Regional Banks in 2024 and 2025. Additionally, MCB recently received Editor’s Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking and 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. A strong technical mindset, AI fluency, and adaptive skills are essential for our employees to effectively contribute to our mission and drive our success. We foster human–AI teaming and strong governance to ensure technology is used responsibly and in alignment with Bank policies and procedures. For more information about the Bank, please visit the Bank’s website at MCBankNY.com.

About the role:

The Credit Underwriter (AVP) is responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial & Industrial (C&I) team. The role will focus on traditional C&I. The underwriter will be expected to lead underwriting for straight forward loans, with senior support provided for the more complex transactions.

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

Essential functions and responsibilities:

• With limited supervision, undertaking financial and credit risk analysis for borrowers and guarantors in a timely manner; including financials, projections, global cash flows, REO schedule, industry/market, structure, and terms.
• Demonstrating understanding of credit risks and mitigants, presenting analysis and risk rating recommendation clearly and concisely in risk focused credit proposals for submission to the FVP Credit/Deputy CCO for review.
• Work closely and proactively 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.
• In partnership with the Lending Officers, ensure all credit related questions from the approval authority are addressed efficiently and effectively.
• Undertake annual review of loans ensuring performance in line with plan. Escalate any performance concerns, covenant issues and/or proposed risk rating downgrades.
• Willingness to develop good understanding of compliance, regulations, and the Bank’s commercial lending policies.
• 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.
• Undertake ad hoc credit risk projects with limited oversight.

Knowledge, skills and abilities:

• Bachelor’s degree in Business, Accounting or Finance; or equivalent experience
• Minimum 3 years in credit related field, preferably in a banking environment
• Strong analytical / financial modeling skills
• Excellent written and verbal communication skills
• Good interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders.
• Strong team player with desire to grow and assume additional responsibilities.
• Working knowledge of all MS Office Suite products and appetite to learn core database management programs
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do

Preferred skills

• Knowledge and experience in evaluating operating business’ financial performance by reviewing financial statements (income statement, balance sheet, and cash flow statement) to assess profitability, liquidity, and operational strength.
• Knowledge and experience in evaluating personal cash flow, asset liquidity and debt obligations for personal guarantors by reviewing personal tax return, personal financial statement, global cash flow, and personal credit report.

Potential Salary: $110,000 - $130,000 annually

This salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law.

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.