H-1B Visa Commercial Officer Jobs
H-1B visa jobs as a Commercial Officer exist at U.S. companies that file Labor Condition Applications for business development, trade, and international commercial roles. Employers sponsor H-1B status for up to three years, extendable to six, covering positions that require a bachelor's degree in business, economics, international relations, or a directly related field.
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Responsible for ensuring completion and delivery of the Bank’s full Dealer Commercial Services closing capabilities for all assigned loans. Position serves as the first line of defense (1LoD), adhering to the necessary controls, to mitigate unnecessary exposure to risk. Works as part of the account relationship team/deal team with the specific responsibility to arrange for each loan to be documented and closed with the correct borrowing parties and per the agreed upon collateral and deal terms approved in an accurate and timely manner.
Primary Responsibilities:
- Validates that Loan Closing Documentation and all pre-closing Due Diligence Requirements have been met for each loan and align with approved credit terms and regulatory requirements and are properly reflected in the commercial loan system.
- Reviews, interprets, and validates the loan documentation for each unique loan, assuring key provisions are documented as per M&T Legal guidance and as advised in the Outside Counsel Manual.
- Completes the Dealer Commercial Services Closing Checklist, ensuring all required documents are complete and necessary data to close, fund and book have been captured correctly within established deadlines. Submits competed Dealer Commercial Services Closing Checklist to Senior Closing Officer for review and to obtain ‘Clear to Close’.
- Follows up with approved Bank counsel (as appropriate), as well as other Bank partners, to finalize the documenting, funding, and booking of the loan in accordance with Bank policies and procedures.
- Partners with designated team and other internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes. Escalates issues as appropriate. Coordinates with co-workers and Team Leader to troubleshoot and resolve escalated problem situations, exception requests, and deviations from day-to-day business processes. Communicates and partners effectively with co-workers, working as a team player, and helping to create a positive team environment.
- Obtains confirmation of loan closing, and of the satisfactory review of executed loan documents and arranges and confirms loan funding and booking.
- Maintains up-to-date knowledge of processes, procedures and escalation guidance related to deliver accurate, timely and complete closing capabilities.
- Manages time to be able to meet deadlines while potentially working with multiple partners on multiple and/or concurrent closing requests, including being able to work with partners on ‘last minute’ modifications. Notifies Team Leader when support and escalation is needed.
- Assists and provides back up to other closing team members when necessary to fulfill incoming or in process requests.
- Attends regularly scheduled departmental training calls to maintain current knowledge of procedures, regulatory updates, and commercial products.
- Reports customer complaints to the Office of Customer Advocacy as appropriate.
- 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.
- 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.
- Promotes an environment that supports a culture of belonging and reflects the M&T Bank brand.
- Completes other related duties as assigned.
Scope of Responsibilities:
The Dealer Commercial Services Closing capabilities include the following five functions: 1) validation of pre-close due diligence items, 2) arranging for and reviewing commercial loan documentation, 3) confirming alignment of the credit approval, loan documents and the loan system, along with finalizing the settlement sheet, the loan closing, and review of executed documents, 4) arranging and confirming loan funding, and 5) completion and submission of required data for loan booking followed by conducting and documenting a post-closing review.
Incumbent works as part of the account relationship team/deal team to build strong customer relationships while preserving the Bank’s strong credit culture, with the specific responsibility of this role being to close each loan to the correct borrowing parties and per the agreed upon collateral and deal terms approved, in an accurate and timely manner, and while assuring and working with approved Bank counsel (as appropriate), and documenting the loan in accordance with Bank policies and procedures, enabling and confirming funding and booking as well as validating key information both pre and post-closing.
Supervisory/Managerial Responsibilities:
None
Education and Experience Required:
Bachelor’s degree and a minimum of three (3) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience or in lieu of a degree, a combined seven (7) years’ higher education and/or work experience, with a minimum of three (3) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience.
Previous experience with the bank’s full closing capabilities.
Knowledge of the commercial closing process and procedures, loan documentation, loan policy, applicable regulations, and affiliated technology.
Strong detail orientation for use examining information and identifying and resolving or escalating issues.
Strong interpersonal skills necessary for business partner relationships within and outside the organization.
Ability to work individually as well as a member of a team.
Self-motivated, well-organized individual.
Ability to work under time constraints and handle multiple tasks in support of various assignments.
Good verbal and written communication skills.
Education and Experience Preferred:
Familiarity with Loan Approvals and Escalation/Exception Requirements, and potentially other approvals needed for closing.
Knowledge of unit/department policies and procedures.
Knowledge of applicable products, systems, and workflows.
Paralegal experience helpful as well as experience in lending operations, underwriting and customer service.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.90 - $49.84 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Buffalo, New York, United States of America
Overview:
Responsible for ensuring completion and delivery of the Bank’s full Dealer Commercial Services closing capabilities for all assigned loans. Position serves as the first line of defense (1LoD), adhering to the necessary controls, to mitigate unnecessary exposure to risk. Works as part of the account relationship team/deal team with the specific responsibility to arrange for each loan to be documented and closed with the correct borrowing parties and per the agreed upon collateral and deal terms approved in an accurate and timely manner.
Primary Responsibilities:
- Validates that Loan Closing Documentation and all pre-closing Due Diligence Requirements have been met for each loan and align with approved credit terms and regulatory requirements and are properly reflected in the commercial loan system.
- Reviews, interprets, and validates the loan documentation for each unique loan, assuring key provisions are documented as per M&T Legal guidance and as advised in the Outside Counsel Manual.
- Completes the Dealer Commercial Services Closing Checklist, ensuring all required documents are complete and necessary data to close, fund and book have been captured correctly within established deadlines. Submits competed Dealer Commercial Services Closing Checklist to Senior Closing Officer for review and to obtain ‘Clear to Close’.
- Follows up with approved Bank counsel (as appropriate), as well as other Bank partners, to finalize the documenting, funding, and booking of the loan in accordance with Bank policies and procedures.
- Partners with designated team and other internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes. Escalates issues as appropriate. Coordinates with co-workers and Team Leader to troubleshoot and resolve escalated problem situations, exception requests, and deviations from day-to-day business processes. Communicates and partners effectively with co-workers, working as a team player, and helping to create a positive team environment.
- Obtains confirmation of loan closing, and of the satisfactory review of executed loan documents and arranges and confirms loan funding and booking.
- Maintains up-to-date knowledge of processes, procedures and escalation guidance related to deliver accurate, timely and complete closing capabilities.
- Manages time to be able to meet deadlines while potentially working with multiple partners on multiple and/or concurrent closing requests, including being able to work with partners on ‘last minute’ modifications. Notifies Team Leader when support and escalation is needed.
- Assists and provides back up to other closing team members when necessary to fulfill incoming or in process requests.
- Attends regularly scheduled departmental training calls to maintain current knowledge of procedures, regulatory updates, and commercial products.
- Reports customer complaints to the Office of Customer Advocacy as appropriate.
- 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.
- 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.
- Promotes an environment that supports a culture of belonging and reflects the M&T Bank brand.
- Completes other related duties as assigned.
Scope of Responsibilities:
The Dealer Commercial Services Closing capabilities include the following five functions: 1) validation of pre-close due diligence items, 2) arranging for and reviewing commercial loan documentation, 3) confirming alignment of the credit approval, loan documents and the loan system, along with finalizing the settlement sheet, the loan closing, and review of executed documents, 4) arranging and confirming loan funding, and 5) completion and submission of required data for loan booking followed by conducting and documenting a post-closing review.
Incumbent works as part of the account relationship team/deal team to build strong customer relationships while preserving the Bank’s strong credit culture, with the specific responsibility of this role being to close each loan to the correct borrowing parties and per the agreed upon collateral and deal terms approved, in an accurate and timely manner, and while assuring and working with approved Bank counsel (as appropriate), and documenting the loan in accordance with Bank policies and procedures, enabling and confirming funding and booking as well as validating key information both pre and post-closing.
Supervisory/Managerial Responsibilities:
None
Education and Experience Required:
Bachelor’s degree and a minimum of three (3) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience or in lieu of a degree, a combined seven (7) years’ higher education and/or work experience, with a minimum of three (3) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience.
Previous experience with the bank’s full closing capabilities.
Knowledge of the commercial closing process and procedures, loan documentation, loan policy, applicable regulations, and affiliated technology.
Strong detail orientation for use examining information and identifying and resolving or escalating issues.
Strong interpersonal skills necessary for business partner relationships within and outside the organization.
Ability to work individually as well as a member of a team.
Self-motivated, well-organized individual.
Ability to work under time constraints and handle multiple tasks in support of various assignments.
Good verbal and written communication skills.
Education and Experience Preferred:
Familiarity with Loan Approvals and Escalation/Exception Requirements, and potentially other approvals needed for closing.
Knowledge of unit/department policies and procedures.
Knowledge of applicable products, systems, and workflows.
Paralegal experience helpful as well as experience in lending operations, underwriting and customer service.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.90 - $49.84 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Buffalo, New York, United States of America
See all 65+ H-1B Visa Commercial Officer Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Commercial Officer
Frame your credentials around specialty occupation
Your degree field must directly relate to commercial officer duties. A bachelor's in business administration, international trade, economics, or finance maps cleanly to the role. Pull your O*NET occupation profile to confirm the degree-level requirements USCIS will expect.
Search employers with active H-1B LCA filings
Target companies that have already certified LCAs for commercial or business development roles. Migrate Mate shows verified H-1B visa sponsorship history by employer, so you can focus your outreach on organizations already familiar with the filing process for roles like yours.
Verify your wage tier before accepting an offer
Your employer's LCA must certify a wage at or above the prevailing wage for your location and job title. Use the OFLC Wage Search to look up your city's Level I through Level IV wage bands before you negotiate, so you know what the LCA must legally support.
Confirm your worksite is covered on the LCA
If you'll work from a client site, government facility, or a second company location not listed on the original LCA, your employer must file a new certified LCA for that address. Raise this with your employer before your start date to avoid a compliance gap.
Get your I-129 petition filed with premium processing
Commercial roles often involve client-facing timelines and contract start dates. Ask your employer to file the I-129 petition with premium processing through USCIS, which targets a 15-business-day adjudication window, so your start date aligns with your offer.
Document international commercial duties in your offer letter
USCIS scrutinizes whether a commercial officer role truly requires a specialized degree. Your offer letter and employer support letter should spell out duties like trade compliance analysis, cross-border contract negotiation, or regulatory market-entry work rather than general sales or administrative tasks.
H-1B Visa Commercial Officer: Frequently Asked Questions
Does a Commercial Officer role qualify as a specialty occupation for H-1B purposes?
Yes, when the position requires at least a bachelor's degree in a directly related field such as business administration, international trade, economics, or finance. USCIS looks at the actual job duties, not just the title. Roles centered on trade compliance, international contract management, or government relations analysis typically meet the specialty occupation standard. Roles reduced to general sales or administrative coordination are more likely to face scrutiny.
Which employers sponsor H-1B visas for Commercial Officer positions?
Government contractors, multinational corporations, trade associations, financial institutions, and companies with active cross-border operations are the most consistent sponsors. These organizations file Labor Condition Applications regularly for roles in business development and commercial strategy. Migrate Mate lists employers with verified H-1B LCA filing history for commercial roles, which helps you focus on companies that already understand the sponsorship process.
What documents should I prepare before approaching employers about H-1B sponsorship?
Compile your academic transcripts and degree certificate, a resume that maps your duties explicitly to your degree field, and any professional credentials in trade compliance or international business. If your degree is from outside the U.S., get a credential evaluation from a NACES-member service before employer conversations start. USCIS will require an evaluation anyway, and having it ready removes a common delay in the I-129 process.
How long does H-1B status last for a Commercial Officer role?
H-1B status is granted for an initial period of up to three years and can be extended to a maximum of six years. Extensions beyond six years are possible only if you have an approved immigrant visa petition and meet specific conditions under AC21 provisions. Each extension requires your employer to file a new I-129 petition with USCIS and a fresh certified LCA reflecting your current worksite and wage.
Can my employer transfer my H-1B to a new Commercial Officer role at a different company?
Yes. Under H-1B portability rules, you can begin working for a new employer as soon as they file an H-1B transfer petition with USCIS, without waiting for approval, provided you are currently in valid H-1B status. The new employer must file a fresh LCA certified for the new worksite and role. The new position must still qualify as a specialty occupation under the same degree-relatedness standard as your original petition.