Commercial Closing Officer

Location: Hybrid position in Baltimore, Maryland, United States of America

Salary: $29.90–$49.84 hourly (USD)

Company

M&T Bank provides commercial banking and lending services.

What you will do

• Manage commercial loan closings from credit approval through funding, including complex multi-party transactions.
• Validate closing documentation, due diligence, collateral, covenants, settlement terms, and system inputs.
• Complete commercial closing checklists and prepare transactions for Senior Closing Officer review and clearance to close.
• Coordinate with Relationship Managers, Underwriters, Credit, Treasury, Legal, approved bank counsel, and external counsel.
• Identify documentation gaps, compliance issues, exceptions, and risk-sensitive information requiring escalation.
• Manage multiple simultaneous closings and last-minute modifications while meeting quality and deadline requirements.

Requirements

• Bachelor’s degree and at least three years of commercial loan closing, documentation, operations, or administration experience; alternatively, seven years of combined higher education and relevant work experience including three related years.
• Experience managing commercial closing transactions from approval through funding.
• Strong knowledge of commercial loan products, closing processes, documentation requirements, and origination platforms such as nCino.
• Ability to identify exceptions, communicate closing requirements, escalate risks, and resolve documentation issues before funding.
• Ability to manage multiple closings simultaneously with strong attention to data quality and integrity.
• Strong interpersonal and communication skills for working with internal and external cross-functional stakeholders.

Nice to have

• Familiarity with loan approval, escalation, and exception requirements.
• Knowledge of applicable products, systems, workflows, policies, and procedures.
• Experience as a paralegal or in lending operations, underwriting, or customer service.

Culture & Benefits

• Hybrid work arrangement in Baltimore.
• Work within a controlled environment focused on risk management, regulatory compliance, and internal audit standards.
• Collaborative work with relationship, credit, legal, treasury, underwriting, and counsel teams.
• Market-informed hourly compensation based on knowledge, skills, and experience.