Strategic Commercial Loan Closing Lead

M&T Bank; Baltimore (MD); On-site; USD 85,676,000 - 142,812,000; Full time

Job summary

M&T Bank is seeking a Commercial Closing Officer to lead end-to-end commercial loan closing activities, ensuring accuracy and compliance with credit- approved terms and regulatory requirements. You will work with the account relationship/deal team to validate documentation and reflect correct parties, collateral, covenants, and terms.

The role emphasizes risk management, coordination with counsel and internal partners, and independent handling of complex, multi-party closings with limited

Qualifications

• 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 or 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.
• 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 external and internal cross-functional teams.
• Prior experience with and demonstrated command of 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 for each transaction, ensuring key provisions reflect M&T Legal guidance and the Outside Counsel Manual.
• Complete the Commercial Closing Checklist, ensuring all required documentation, controls, and data elements are captured, accurate, and ready for Senior Closing Officer review and “Clear to Close.”
• Confirm alignment of credit approvals, legal documentation, collateral requirements, covenants, settlement terms, and system inputs across all supported platforms.
• Coordinate with approved Bank counsel and internal partners to ensure documentation, funding, booking, and compliance requirements are executed accurately and in accordance with Bank policy.
• Exercise heightened risk management by identifying documentation gaps, mitigating compliance issues, and ensuring adherence to regulatory and policy standards.
• Independently evaluate and validate risk-sensitive information, including collateral, legal structure, exceptions, covenants, and regulatory requirements.
• Prevent financial, operational, and regulatory exposure by ensuring accuracy in documentation, closing structure, and downstream system impact.
• Maintain strong awareness of applicable regulations, legal requirements, workflow controls, and escalation procedures.
• Responsible for complex, multi-party commercial transactions requiring advanced judgment, issue resolution, and coordinated communication among borrowers, attorneys, internal stakeholders, and relationship teams.
• Apply advanced loan comprehension skills to understand lending structures, exceptions, downstream implications, and impacts of closing errors.
• Work independently on most transactions with limited oversight, demonstrating deeper experience in commercial lending, loan closing processes, and structural documentation requirements.
• Partner effectively with internal and external stakeholders, including Relationship Managers, Underwriters, Credit, Treasury, Legal, and external counsel.
• Communicate proactively to address discrepancies, elevate 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 in accordance with the Company’s Risk Appetite. 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 together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Education

Bachelor's degree + 3 years related experience or 7 years relevant experience

Job description

M&T Bank is seeking a Commercial Closing Officer to lead end-to-end commercial loan closing activities, ensuring accuracy and compliance with credit- approved terms and regulatory requirements. You will work with the account relationship/deal team to validate documentation and reflect correct parties, collateral, covenants, and terms.

The role emphasizes risk management, coordination with counsel and internal partners, and independent handling of complex, multi-party closings with limited