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Commercial Loan Documentation Counsel - 3DI40 in Buffalo, NY at M&T Bank

Date Posted: 5/19/2018

Job Snapshot

Job Description

M&T Bank
Commercial Loan Documentation Counsel

Buffalo, NY



The successful candidate will join a small and growing practice group in the Legal Department of M&T Bank Corporation (NYSE: MTB), providing primary legal counsel and support to several business units at MTB-affiliated lending entities (most notably, M&T Bank, a New York chartered bank with branches and/or commercial lending offices in multiple states) that solicit, underwrite, document, fund, service, oversee and/or support business-purpose credit financing.  These internal clients operate primarily within the Commercial Division (serving middle-market and large businesses) and Business Banking Division (serving small businesses) of M&T Bank.  The scope and type of financing includes all varieties of secured transactions, involving all types of both real estate and non-real estate collateral.


The targeted role for this attorney will be to serve as the primary source of legal counsel and support to select business units responsible for (i) due diligence and document preparation in connection with small-to-mid-size commercial loan transactions for which a traditional attorney closing is not required, (ii) post-closing review of commercial loan packages, and (iii) loan servicing and collateral management for existing loans.  Additional responsibilities may include oversight and maintenance of standard forms (both vendor-based and proprietary) utilized by M&T for documenting commercial loans.


More specifically, the successful candidate will need to excel in the following roles:  


Addressing day-to-day legal issues on new and existing commercial credit transactions, including reviewing and revising M&T’s vendor-based and proprietary commercial credit documents


Drafting, maintaining and enhancing template agreements and forms for use in documenting commercial credit transactions


Reviewing, monitoring and validating internal policies and procedures relating to due diligence and documentation requirements for commercial loans


Providing primary legal support to a project team evaluating and implementing a new vendor-based commercial loan documentation system


Advising on the development and implementation of new credit products and services


Monitoring and advising client groups on any relevant federal and state laws, regulations and guidelines relating to commercial credit disclosures and documentation (e.g., UCC Article 9, ECOA and Regulation B, FCRA, Fair Lending, Anti-Tying Regulations, SBA loan programs, etc.)


 Identifying, evaluating and escalating legal and regulatory risks relating to commercial credit


Monitoring industry developments


Minimum Qualifications:

J.D. degree 

Licensed to practice law (or ability to obtain an in-house counsel license to do so) in one or more of the following states:  NY, PA, MD, NJ, DE

At least 4 years of experience documenting and closing at least one (and preferably both) of the following:


- non-real estate secured loan transactions for financial institutions

- commercial real estate secured loan transactions for financial institutions


Self-motivated and seasoned professional with a proactive approach to work and challenges


Superior analytical skills


Exceptional written and verbal communication skills; ability to communicate and relate effectively with internal and external constituencies at all levels (from senior management to lower level staff personnel), including: (i) internal clients representing business lines and support areas; (ii) external legal counsel representing the bank, borrower and third parties; (iii) regulatory officers; (iv) counterparts at peer institutions and other industry representatives; etc.


Strong interpersonal and teamwork skills; ability to influence through collaboration and leadership


Ability to effectively handle multiple tasks, take on new responsibilities, adapt and prioritize work in a deadline-intensive environment


Ability to understand and integrate details of business/operational/systemic environment in applying legal and policy requirements


Experience in identifying, evaluating and escalating legal and regulatory risk issues affecting financial institutions


M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.