Commercial Officer Jobs in USA with Visa Sponsorship
Commercial Officer roles in the U.S. qualify as specialty occupations under H-1B visa, E-3 visa, and TN visa, making them strong candidates for visa sponsorship. Employers typically file a Labor Condition Application before hiring, and your degree field matters as much as your experience when consular officers assess eligibility.
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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 76+ Commercial Officer Jobs
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Get Access To All JobsTips for Finding Commercial Officer Jobs
Align your degree to the role
Consular officers assess whether your degree field directly relates to commercial officer duties. A business, economics, or international trade degree strengthens your case. A general arts degree paired with unrelated experience often triggers a Request for Evidence.
Search LCA filings before applying
Use Migrate Mate to find employers with verified Labor Condition Application filings for commercial and trade roles. This tells you which companies have already committed to sponsoring the visa category you need, before you spend time applying.
Verify your role qualifies as specialty occupation
Pull the O*NET profile for your target job title and confirm the listed education requirement is a bachelor's degree in a specific field. If the posting says 'degree preferred,' that wording can disqualify it as a specialty occupation under USCIS adjudication standards.
Check prevailing wage before negotiating
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your location and role level. Run your job title and metro area through the OFLC Wage Search so you know the floor before salary conversations begin.
Distinguish trade roles from general management titles
Job titles like 'Commercial Officer' or 'Trade Development Officer' map clearly to specialty occupation criteria. Titles reworded as 'Business Development Manager' or 'Sales Director' can blur the specialty occupation definition and complicate your USCIS petition.
Time your PERM filing around your priority date
If you're on H-1B and pursuing a green card through EB-2 or EB-3, your employer needs to file PERM labor certification early enough to establish a priority date before annual caps create a backlog. Country of birth, not citizenship, determines your wait.
Frequently Asked Questions
What visas can sponsor a Commercial Officer role in the U.S.?
H-1B is the most common path, covering specialty occupations that require a related bachelor's degree. Australian nationals can use the E-3, which has a separate cap and no lottery. Canadian and Mexican nationals may qualify under TN if the role maps to an eligible USMCA profession such as economist or management consultant. Each requires an employer-filed Labor Condition Application.
Does a Commercial Officer role qualify as a specialty occupation?
Generally yes, provided the job posting requires a bachelor's degree in a directly related field such as business, economics, finance, or international trade. USCIS looks at both the job description and your credentials. Roles that accept any bachelor's degree regardless of field, or that list a degree as preferred rather than required, are more likely to face scrutiny during adjudication.
How do I find U.S. employers who sponsor visas for commercial roles?
Migrate Mate lists employers with verified sponsorship history for commercial and trade roles, so you can target companies that have already filed for the visa type you need. Focusing your applications on proven sponsors saves time and improves your chances of moving through the offer process without delays.
Does my degree field matter for a Commercial Officer visa application?
Yes, it's one of the most consequential factors. USCIS and consular officers assess whether your degree field directly corresponds to the duties of the role. A degree in economics, international business, or finance supports a commercial officer application clearly. A degree in an unrelated field, even at the same level, can result in a Request for Evidence or outright denial.
Can a Commercial Officer on H-1B change employers without losing status?
Yes. Under H-1B portability rules, you can begin working for a new employer once your new I-129 petition is filed with USCIS, without waiting for approval. The new employer must file before your current status expires, and the role must still qualify as a specialty occupation. The new employer also needs to file a fresh Labor Condition Application for your new position and location.
What is the prevailing wage requirement for sponsored Commercial Officer jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.