Senior Credit Underwriter - New York, United States - Metropolitan Commercial Bank

Description

Metropolitan Commercial Bank (the "Bank") is a New York City based full-service commercial bank that provides a broad range of business, commercial and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities and local government entities.

The Bank operates banking centers and private client offices in Manhattan and Boro Park, Brooklyn in New York City and Great Neck on Long Island in New York State.

The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender.

The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp.

(NYSE:

MCB).
For more information, please visit the Bank's website at .
Metropolitan Commercial Bank was named one of Newsweek's Best Regional Banks and Credit Unions 2024.

The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2023 by loan category and asset size for commercial banks with more than $1 billion in assets.

The Bank finished ninth in S&P Global Market Intelligence's annual ranking of the best-performing community banks with assets between $3 billion and $10 billion for 2022 and eighth among top-performing community banks in the Northeast region for 2022.

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 Commercial Real Estate (CRE) team.

The role will focus on CRE (e.g. Multi-Family, Mixed-Use, Office, Industrial, Retail, Hospitality, Charter Schools, Construction) with an emphasis on transitional, and the individual will be expected to deal with the most complex transactions and to coach less experienced underwriters.
Duties and responsibilities of the job include the following (but is not limited too):

For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management 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.

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.
Lead ad hoc credit risk projects with limited oversight.

Preferred experience, education, and qualifications:
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.
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.
Perform quality work within determined timeframes.
Interact professionally with other employees, customers, vendors and shareholders.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees, departments, divisions, etc.
Work on ad-hoc tasks, assignments and projects as needed.

Potential Salary:
$140,000 - $185,000 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.

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As set forth in Metropolitan Commercial Bank's Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

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A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S.

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Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.
Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Metropolitan Commercial Bank's Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

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If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.

As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA.

Classification of protected categoriesis as follows:
A "disabled veteran" is one of the following: a veteran of the U.S.

military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S.

military, ground, naval, or air service.
An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S.

military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S.

military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

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