Commercial Lending Officer

Metropolitan Commercial Bank; Miami (FL); Hybrid; USD 170,000 - 225,000; Full time

Job summary

Metropolitan Commercial Bank, a NYC-based full-service bank expanding to Miami, seeks an experienced Commercial Lending professional responsible for underwriting, structuring, and closing new loan opportunities while servicing an existing portfolio.

This role requires strong credit judgment, ability to source and manage LOCs and term loans ranging from several million dollars, and a personal drive to build high-quality client relationships in a competitive market.

Qualifications

• Minimum 7 years of experience in Commercial Lending, including deal structuring and underwriting.
• Experience effectively managing relationships with middle-market C&I borrowers.
• BS or BA degree desired.

Responsibilities

• Source and develop a book of creditworthy C&I borrowing relationships (LOCs, term loans, owner-occupied real estate mortgages).
• Manage a portfolio with credit quality and integrity, adhering to bank policies and regulatory requirements.
• Lead marketing efforts to grow the loan portfolio and maintain client/referral relationships.
• Participate in community and industry events to position the bank as a premier lender.
• Attend courses to maintain and improve credit skills.

Skills

Commercial Lending

New business development

Deal structuring

Underwriting

Portfolio management

Credit analysis

Education

BS or BA degree

Job description

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.

Position Summary:

Responsible for developing new business, underwriting, structuring, and closing of commercial loans, maintaining and servicing an existing portfolio of loans.

Standard 4-day in-office requirement, 1 day remote (of your choosing andsubject to manager’s approval)

Essential Functions & Responsibilities

• Source and develop a book of high-quality C&I borrowing relationships; including but not limited to, Lines Of Credit, Term Loans, Owner Occupied Real Estate Mortgages.
• Average range of Commercial Borrowings from $3 million to $15 million
• Manage sourced credit portfolio, monitor credit quality and integrity.
• Adhere to the Bank's credit policies, guidelines and applicable regulatory requirements.
• Lead marketing efforts to develop and enhance the Loan portfolio, through developing and maintaining relationships with clients and referral sources; participate in community and industry events to position the Bank as a premier lending institution.
• Attend courses and lectures to maintain and improve credit skills.

Qualifications & Skills:

• Minimum 7 years of experience in Commercial Lending; new business development, deal structuring, underwriting, and portfolio management.
• Prior experience excelling working with traditional middle market C&I companies as a commercial lender and new business development officer.
• Must have ability to understand and interpret financial statements, provide sound credit guidance regarding sourced business.
• Ability to solicit new business, advise prospects and customers of product lines, determine credit worthiness, and prepare detailed proposals.
• BS or BA degree desired.
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do.

Potential Salary: 170,000 - $225,000 annually

This salary range 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. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here.

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.