Commercial Closing Specialist (Open to Locations w/in the M&T Footprint)
M&T Bank · Buffalo, NY, US
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About the Role
The Commercial Closing Officer ensures the completion and delivery of commercial loan closing capabilities for assigned transactions. This role serves as the first line of defense, adhering to internal controls to mitigate risk and holding primary responsibility for arranging, validating, and finalizing loan closings.
Responsibilities
- Validate that loan closing documentation and pre-closing due diligence requirements are complete, aligned with credit approval terms, and meet regulatory requirements.
- Review, interpret, and validate loan documentation, ensuring key provisions align with Legal guidance and the Outside Counsel Manual.
- Complete the Commercial Closing Checklist, ensuring all required documentation, controls, and data elements are captured and accurate.
- Confirm alignment of credit approvals, legal documentation, collateral requirements, covenants, settlement terms, and system inputs.
- Coordinate with approved Bank counsel and internal partners to ensure documentation, funding, booking, and compliance requirements are executed accurately.
- Identify documentation gaps, mitigate compliance issues, and ensure adherence to regulatory and policy standards.
- Independently evaluate and validate risk-sensitive information, including collateral, legal structure, exceptions, covenants, and regulatory requirements.
- Ensure accuracy in documentation, closing structure, and downstream system impact to prevent financial, operational, and regulatory exposure.
- Maintain strong awareness of applicable regulations, legal requirements, workflow controls, and escalation procedures.
- Manage complex, multi-party commercial transactions requiring advanced judgment and issue resolution.
- Apply advanced loan comprehension skills to understand lending structures, exceptions, and downstream implications.
- Work independently on most transactions with limited oversight.
- Partner effectively with internal and external stakeholders, including Relationship Managers, Underwriters, Credit, Treasury, Legal, and external counsel.
- Communicate proactively to address discrepancies, escalate risks, resolve documentation issues, and support efficient workflow execution.
- Assist peers by providing backup support and contributing to a positive, collaborative team environment.
- Manage multiple simultaneous closing requests, including last-minute modifications, while meeting established deadlines and quality expectations.
- Understand and adhere to the Company’s risk and regulatory standards, policies and controls.
- Identify risk-related issues needing escalation to management.
- Promote an environment that supports a culture of belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points.
- Complete other related duties as assigned.
- Manage commercial loan closing execution, end-to-end ownership, due diligence, and completeness.
Requirements
- Bachelor’s degree and a minimum of three (3) years’ commercial loan closing, commercial loan documentation, commercial loan operations, and/or commercial loan administration experience.
- In lieu of a degree, a combined minimum of seven (7) years’ higher education and/or relevant work experience, with a minimum of three (3) years’ related commercial loan closing, commercial loan documentation, commercial loan operations, and/or commercial loan administration experience.
- Demonstrated ability to effectively communicate commercial closing requirements, identify exceptions and escalate appropriately prior to funding.
- Ability to manage assigned commercial closing transactions from approval through funding.
- Heightened focus on data quality and data integrity.
- Ability to manage multiple closings simultaneously.
- Strong interpersonal and effective communication skills with external and internal cross-functional teams.
- Prior experience with and demonstrated command of commercial loan products and origination platforms (e.g., nCino).
Skills
- Commercial loan closing
- Commercial loan documentation
- Commercial loan operations
- Commercial loan administration
- Risk management
- Regulatory compliance
- Communication skills
- Interpersonal skills
- Problem-solving
- Attention to detail
- Loan origination platforms (e.g., nCino)
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
Experience Level
- 3+ years of relevant experience
Education Level
- Bachelor's degree or equivalent experience
Salary/Compensations
- $29.90 - $49.84 Hourly (USD)
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.