Full-Time
Credit Accounting Analyst 1
M&T Bank
10,001+ employees
Full-service banking with mortgage, deposits, loans
Compensation Overview
$62.2k - $103.6k/yr
Buffalo, NY, USA
Hybrid
Bachelor's
 Accounting (1) |
|---|
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- A bachelor's degree in Accounting, Finance, or a related field, and two years of relevant experience, or a combined minimum of six years of education and relevant experience in lieu of a degree.
- Strong analytical ability.
- Strong written and verbal communication skills.
- Evaluate and determine the credit risks of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and assessment of the ability to repay annual debt service.
- Determine the estimated loss or loan loss reserve required to cover the credit risk of impaired commercial credits.
- Calculate cash flows and loan loss reserves for legacy loan portfolios by reviewing pertinent credit and financial information.
- Assist in estimating the Lifetime Loss on the Commercial Loan portfolio.
- Maintain general knowledge of accounting pronouncements and their effect on bank credits, with a specific focus on the Loan Loss Reserve and Troubled Debt Restructures.
- Coordinate data and processes supporting internal and external reporting requirements for Finance, Credit Senior Management, and regulatory reviews.
- Assist in preparing the department's monthly, quarterly, and annual reporting requirements.
- Participate in departmental projects.
- Adhere to applicable compliance and operational risk controls in accordance with company or regulatory standards and policies.
- Maintain internal control standards, including timely implementation of internal and external audit points and issues raised by external regulators, as applicable.
- Interact substantially with internal and external contacts to obtain pertinent information.
- Act as a liaison between the department and other business units on various projects.
- Work with Commercial Banking Relationship Managers and Special Assets.
- Work independently with limited supervision.
- Complete other related duties as assigned.
- A bachelor's degree in Accounting, Finance, or a related field, and two years of commercial credit or similar banking experience.
M&T Bank is a full-service financial institution that offers a wide range of banking solutions for individuals, small businesses, and larger enterprises. Its products include personal and business checking accounts, mortgage assistance programs, loans, deposits, investment products, and mobile banking. The bank serves mainly customers in the Northeastern and Mid-Atlantic United States and emphasizes community engagement and customer-focused service. It generates revenue from interest income, fees, and service charges tied to loans, deposits, and other financial products. The company’s recent merger with United Bank, N.A. expands its footprint and enhances its service offerings. The goal is to provide accessible financial services to communities while growing its market presence and deepening local connections.
Company Size
10,001+
Company Stage
IPO
Headquarters
Buffalo, New York
Founded
1993
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Simplify's Take
What believers are saying
- July 2026 net income rose to $818 million, up from $664 million sequentially.
- Average loans grew $3.0 billion quarter-over-quarter, led by $2.3 billion C&I growth.
- A $125 million Solar Landscape revolver shows continued lender demand for M&T capital.
What critics are saying
- Commercial real estate exposure reached 129% of Tier 1 capital at March 31, 2026.
- The Hudson City merger litigation finally closed in April 2026, after years of distraction.
- Preferred issuance and $465 million buybacks signal capital optimization, not excess balance-sheet flexibility.
What makes M&T Bank unique
- M&T’s July 2026 EPS hit $5.32, with 3.70% net interest margin.
- Commercial and retail banking plus wealth management drove record second-quarter 2026 earnings.
- Buffalo roots and Mid-Atlantic branches support sticky deposits and relationship lending.
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Benefits
401(k) Company Match
401(k) Retirement Plan
Flexible Work Hours
Hybrid Work Options
Paid Vacation
Paid Holidays
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↑ 10%1 year growth
↑ 10%2 year growth
↑ 10%Charles River Associates has expanded its credit facility to $400 million through a six-bank lending syndicate. The five-year agreement includes a $75 million term loan and a $325 million revolving credit facility, replacing a previous $300 million facility set to mature in August 2027. The revolving facility can be reduced to $250 million between 16 July and 15 January each year when working-capital requirements are lower. CRA will use proceeds to repay outstanding borrowings, support working capital, fund growth investments, and cover general corporate purposes. The lending group includes Bank of America, Citizens Financial Group, Eastern Bank, and Beacon Bank & Trust, with BMO and M&T Bank joining as new lenders. The expanded facility provides additional liquidity as the consulting firm invests in its global economic, financial, and management advisory operations.
Merritt Properties has secured a $621 million refinancing loan for a portion of its 58-asset Maryland Industrial Portfolio.
M&T Bank Corporation recently completed a US$600 million callable preferred depositary share offering, sold in two tranches totaling 24,000,000 shares at US$25 each, with multiple major banks, including J.P. Morgan, BofA Securities and others, acting as co‑lead underwriters. Around the same time, M&T Bank reported higher second‑quarter 2026 net interest income of US$1,792 million and net income of US$818 million, while also reducing net charge‑offs to US$80 million and completing a US$465...
HEICO Corporation has closed a $1.2 billion senior notes offering, comprising $550 million in 4.950% notes due 2031 and $650 million in 5.400% notes due 2036. The aerospace and defence company will use the proceeds to pay down borrowings under its $2.2 billion revolving credit agreement, maintaining capacity for future acquisitions. Co-Chairmen Eric and Victor Mendelson said the notes received investment grade ratings, building on HEICO's inaugural issuance in 2023. Chief Financial Officer Carlos Macau noted the offering expands the company's capital sources and provides greater flexibility for continued growth. HEICO designs and produces products for aviation, defence, space, medical, telecommunications and electronics industries through its Flight Support Group and Electronic Technologies Group.
M&T Bank Corporation reported second quarter 2026 net income of $818 million, or $5.32 diluted earnings per share, marking record earnings for the quarter. Taxable-equivalent net interest income increased $41 million from the first quarter, driven by an additional calendar day, higher interest income on nonaccrual loans, and growth in average earning assets. The net interest margin held steady at 3.70%. Average loan balances rose $3.0 billion quarter-on-quarter across all categories, including $2.3 billion growth in commercial and industrial loans. Commercial real estate loans increased $1.1 billion from March 31, 2026. The allowance for loan losses declined one basis point to 1.52% of total loans. During the quarter, M&T repurchased 2.1 million shares for $465 million, with the CET1 capital ratio estimated at 10.19%.