Commercial Loan Closing Specialist - Risk & Compliance

M&T Bank; Buffalo (NY); On-site; USD 41,000 - 69,000; Full time

Job summary

M&T Bank is seeking a Commercial Closing Officer in Buffalo, NY to lead end-to-end commercial loan closings, ensuring accuracy across borrowing parties, collateral, covenants, and terms. The role functions within the account relationship/deal team and aligns with Internal controls and regulatory requirements.

The ideal candidate manages multiple closings, communicates effectively with borrowers, attorneys, and internal stakeholders, and leverages platforms like nCino to support closing

Qualifications

• Bachelor’s degree and a minimum of three (3) years’ commercial loan closing, documentation, operations, and/or administration experience.
• Demonstrated ability to communicate closing requirements, identify exceptions and expand prior to funding.
• Manage assigned commercial closing transactions from approval through funding.
• Heighten focus on data quality and data integrity.
• Ability to manage multiple closings simultaneously.
• Strong interpersonal and effective communication skills with cross-functional teams.
• Prior experience with commercial loan products and origination platforms (e.g., nCino).

Responsibilities

• Validate that loan closing documentation and pre-closing due diligence requirements are complete and aligned with credit approval terms and regulatory requirements.
• Review, interpret, and validate loan documentation to reflect guidance and manuals.
• Complete the Commercial Closing Checklist for Senior Closing Officer review and Clear to Close.
• Coordinate with counsel and internal partners to ensure accurate documentation, funding, booking, and compliance.
• Identify gaps and mitigate compliance issues to adhere to regulatory standards.
• Evaluate risk-sensitive information including collateral and covenants.
• Maintain awareness of regulations, controls, and escalation procedures.

Skills

Communication

Interpersonal skills

Attention to detail

Data quality

Multitasking

Education

Bachelor’s degree

Tools

nCino

Job description

M&T Bank is seeking a Commercial Closing Officer in Buffalo, NY to lead end-to-end commercial loan closings, ensuring accuracy across borrowing parties, collateral, covenants, and terms. The role functions within the account relationship/deal team and aligns with Internal controls and regulatory requirements.

The ideal candidate manages multiple closings, communicates effectively with borrowers, attorneys, and internal stakeholders, and leverages platforms like nCino to support closing