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:

The Commercial Loan Portfolio Manager is the primary contact for established borrowing clients. Under the general direction of the department head and its Commercial Lenders, this position's primary responsibilities include all aspects of portfolio management as it relates to assigned portfolio loans together with the cross selling of Bank products and services. Additional responsibilities include interacting and liaising with other areas of the bank predominantly the credit, compliance, operations, and treasury management. The portfolio will include a concentration of healthcare-related credits, including skilled nursing facilities, assisted living, and other healthcare operators. The role requires an understanding of healthcare reimbursement structures, regulatory considerations, and operator performance drivers, including occupancy, payer mix, and labor trends.

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

Essential Functions & Responsibilities

Compliance & Risk Management

Assess regulatory and reimbursement developments impacting borrowers, including state Medicaid changes and federal programs (PDPM)

Protect the Bank's assets and maintain quality of portfolio by adhering to lending processes, policies & procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines. Ensure all Commercial Banking Business is in conformity with Bank Policies and other guidelines;

Support internal audits and regulatory examinations by providing complete documentation and compliance reporting

Exercise individually held unilateral discretionary limits, as well as any held prescribed approval discretionary limits (i.e.: overdrafts, credit applications), ensuring credit decisions and recommendations are in accordance with sound credit-granting principles and in compliance with the Bank's policies and related procedures; completing analysis; confirming security valuations; completing and approving credit applications for authorizations under Lending Policy;

Adhere to Know Your Customer Rules and Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering;

Timely completion of all AML/KYC due diligence;

Process all credit requests, including requests for amendments and waivers, in coordination with the credit department

Client Performance Management

Monitor performance of healthcare borrowers, including analysis of occupancy trends, census recovery, payer mix (Medicare/Medicaid), and labor cost pressures

Oversee documentation and ongoing monitoring of asset and client performance;

Actively manage portfolio to maximize return and credit quality;

Prepare/oversee preparation of concise, well reasoned credit correspondence;

Obtain credit concurrence as client advocate;

Responsible for monitoring covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement;

Ensure that documentation required for renewals/reviews are collected and delivered to credit on a timely basis.

Sales Support and Internal Stakeholder Collaboration

Identify new lending and cross-sell opportunities by developing and maintaining strong client relationships

Strive to obtain a comprehensive working knowledge of current book of commercial lending clients;

Maintain key ongoing contact with clients in conjunction with Commercial Lenders;

Initiate and engage in daily dialogue with Commercial Lenders regarding new client developments;

Partner with treasury and deposit teams to support client needs related to cash management, account maintenance, and ongoing service requests

Collaborate across finance, credit administration, and other internal groups to support portfolio reporting, internal reviews, and external deliverables

Lead end-to-end due diligence for new transactions, coordinating with borrowers, legal counsel, third-party providers, and internal stakeholders to validate financial, legal, and collateral information prior to closing

Credit Assessment & Management of Workflow

Review operator reporting packages, including census data, AR aging, and facility-level financials, to identify early warning indicators specific to healthcare credits

Conduct diligence on healthcare operators and management teams, including track record across turnaround situations and multi-facility portfolios

Manage a large, diversified commercial loan portfolio as part of a front-line relationship management team

Prepare preliminary deal screens, term sheets, and supporting materials for new and expanding credit opportunities in coordination with lenders

Draft credit submission memoranda and maintain accurate pipeline tracking to support timely credit decisioning

Conduct on-site visits and meetings with borrowers to evaluate collateral quality, management strength, and operational risks

Review loan documentation for consistency with approved credit terms; coordinate and negotiate revisions with legal counsel and counterparties as needed

Manage pre-closing conditions and ensure all credit and documentation requirements are satisfied prior to funding

Lead credit renewals, re-underwriting efforts, modifications, and extensions; present recommendations to senior management

Monitor borrower financial performance, analyze financial statements, track covenant compliance, and identify early warning indicators

Prepare executive- and board-level portfolio reporting summarizing credit performance, risk trends, sector exposure, and relevant industry developments

Develop recurring portfolio and exception reports to enhance transparency around risk trends, compliance items, and client activity

Qualifications & Skills:

An undergraduate degree. Focal areas of finance, economics, or accounting preferred;

5 plus years of commercial banking or equivalent experience;

Experience in a client facing role;

Strong investigatory, due diligence and risk analysis skills;

Familiarity with loan and other contractual documentation highly desirable;

Diligent, detail-oriented and thorough;

Persistent and willing to follow through to resolve and document issues appropriately and in a manner in keeping with sound risk management practices;

In-depth understanding of Commercial Products, Commercial Lending Process, Commercial Lending Directives, all supporting processes and technology;

Working knowledge and ability to execute Risk Management practices and strategies;

Able to work independently with minimal supervision;

Eagar willingness to learn;

Highly adaptable, versatile, dynamic team player who thrives on accepting new challenges

Excellent written and oral communication skills

Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do.

Preferred Qualifications & Skills

Proven, credit analysis experience/ understanding; (preferred);

Successful completion of a formal bank sponsored credit training program or formal training or experience in an underwriting role (preferred).

Potential Salary: $150,000 - $170,000 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.

Metropolitan Commercial Bank

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