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M&T Bank

Full-service banking with mortgage, deposits, loans

Treasury Operations Analyst 4 - Collateral Management & Liquidity Reporting

Full-TimePosted on 10/5/2026
$74.6k - $124.4k/yr
Mid
Bachelor's
Buffalo, NY, USA
HybridFour days per week in-office are required; Tuesday is mandatory.
Finance & BankingTreasury

About the job

Requirements
  • A bachelor's degree and at least 3 years of related experience, or, in lieu of a degree, a combined minimum of 7 years of higher education and/or work experience, including at least 3 years of related experience.
  • Strong analytical skills.
  • Strong organizational skills.
  • Proficiency with personal computers and relevant word-processing and spreadsheet software.
  • Strong verbal and written communication skills.
  • Knowledge of banking, finance, treasury, liquidity management, or regulatory reporting concepts.
  • Advanced Excel skills, including data analysis, reconciliation, and complex spreadsheet development.
  • Experience analyzing large datasets and identifying data quality issues.
  • Experience leading projects, initiatives, or workstreams involving multiple stakeholders.
  • Experience drafting procedures, controls, audit documentation, or operational process documentation.
  • Strong problem-solving skills and the ability to independently research, analyze, and resolve issues.
  • Experience communicating technical, operational, or analytical information to business and technology partners.
Responsibilities
  • Develop and produce complex departmental reports and spreadsheets, including project or product strategy analyses, historical reporting, workflow analyses, and financial analyses for Treasury Operations functional areas.
  • Conduct complex analysis and judgment-based work over a standard discipline or range of disciplines to support Treasury Operations decisions.
  • Conduct complex data review, research, and/or reconciliation for assigned Treasury Operations areas.
  • Lead the drafting and editing of procedures related to Treasury Operations functional areas.
  • Lead support for departmental audits, including regulatory examinations, user certifications, and compliance testing for Treasury Operations.
  • Manage and facilitate the planning, testing, and implementation of new projects, systems, products, and regulatory changes affecting assigned Treasury Operations teams.
  • Lead departmental system support, coordinating with internal business partners, external vendors, and Technology to address issues for assigned Treasury Operations teams.
  • Provide business and functional system expertise to colleagues within Treasury Operations functional areas or the entire COE.
  • Understand and adhere to the company's risk and regulatory standards, policies, and controls in accordance with its Risk Appetite, and identify risk-related issues requiring escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
  • Complete other related duties as assigned.
  • Support collateral management activities, including analysis, reporting, optimization initiatives, and coordination with internal and external stakeholders related to secured funding and liquidity programs.
Desired Qualifications
  • Prior experience in Treasury Operations, collateral management, loan pledging, liquidity management, FHLB, Federal Reserve Discount Window, or secured funding programs.
  • Experience with commercial, consumer, residential mortgage, HELOC, construction, or commercial real estate loan products.
  • Experience supporting audits, examinations, regulatory reporting, compliance testing, or control functions.
  • Experience with Power BI, Tableau, Power Query, SQL, Python, VBA, or similar analytics and automation tools.
  • Experience with data quality, reporting governance, process optimization, or process automation initiatives.
  • Project management experience, including requirements gathering, testing, and implementation support.
  • Experience partnering with business and technology teams on process enhancements or system implementations.

About the company

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

  • On July 15, 2026, M&T reported record quarterly EPS of $5.32.
  • Average loans rose $3.0 billion in Q2 2026, led by commercial lending and CRE.
  • M&T repurchased $465 million of stock in Q2 2026 while CET1 stayed 10.19%.

What critics are saying

  • Average deposits fell $0.7 billion in Q2 2026, tightening funding and forcing pricier borrowings.
  • Commercial real estate balances reached $24.5 billion; 2027 refinancing stress hits credit costs and earnings.
  • A severe CRE downturn forces reserve spikes, buyback cuts, and capital-trapping regulation through 2027.

What makes M&T Bank unique

  • M&T Bank’s Q2 2026 balance sheet paired $168.9 billion deposits with $141.4 billion loans.
  • Ninety percent of C&I businesses grew quarter-over-quarter in Q2 2026, proving deep relationship banking.
  • The People’s United merger expanded M&T’s Northeast-Atlantic branch and deposit footprint after 2022.

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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

Headcount

6 month growth

10%

1 year growth

11%

2 year growth

11%
Yahoo Finance
Oct 18th, 2026
M&T Bank Q3 net income falls to $732M as costs rise and margin slips to 3.65%

M&T Bank reported third-quarter 2026 net income of $732 million, down from $754 million a year earlier. Its shares slipped about 1.5% on the first trading day after the release. Revenue edged up to $2,401 million from $2,388 million. Basic earnings per share rose to $5.08 from $4.85, while net interest margin narrowed to 3.65% from 3.68%. Costs weighed on results. Noninterest expense rose to $1.39 billion, deposit costs climbed to 2.05%, and the cost-to-income ratio reached 54.4%. Capital stayed solid. The bank's CET1 ratio was 10.16% after $323 million of buybacks, and operating return on tangible common equity was 17.3%.

Yahoo Finance
Oct 16th, 2026
M&T Bank hits record SBA 7(a) lending, ranks fifth nationally as market softens; $5B buyback approved

M&T Bank reported record SBA 7(a) loan volume and dollar amounts in its history. It ranked first in fiscal year 2026 by number of loans across its communities and rose to fifth nationally among SBA 7(a) lenders. The result comes as national SBA 7(a) activity pulled back. It marks 18 consecutive years as a leading SBA lender for the bank. On March 30, the board authorised share repurchases of up to $5,000 million. Management intends to run a CET1 ratio toward the lower end of the 10% to 10.5% range. Risks remain, including funding costs, deposit mix, and high noninterest expenses.

MarketScreener
Oct 2nd, 2026
NETSTREIT Corp. Announces $550.0 Million in Additional Financing Commitments and Amendments to Existing Credit Facilities

NETSTREIT Corp. announced the closing of $550.0 million in additional financing commitments and amendments to its existing credit facilities agented by PNC Bank, National Association , Wells Fargo...

TipRanks
Sep 18th, 2026
Constellation Brands secures $300M delayed draw term loan for corporate flexibility

Constellation Brands has entered into a new term loan credit agreement worth up to $300 million with Manufacturers and Traders Trust Company and other lenders. The delayed draw facility, established on 18 September 2026, will be used for general corporate purposes, including potential debt repayment. The two-year term loans carry interest linked to Term SOFR or a base rate with rating-based margins. Unused commitments will incur a ticking fee beginning 30 days after closing. The agreement includes covenants that mirror the company's existing revolving credit facility. These impose limits on subsidiary indebtedness, liens, mergers, affiliate transactions, and sale-leasebacks, whilst requiring minimum interest coverage and maximum net leverage ratios. The structure is designed to reinforce Constellation Brands' financial flexibility and balance-sheet management.

Yahoo Finance
Sep 15th, 2026
M&T Bank gains 18% YTD, outpacing Nasdaq amid strong loan growth and rising net interest income

M&T Bank Corporation has outperformed the Nasdaq Composite over recent periods, with shares gaining 18% year-to-date and 19.6% over the past 52 weeks, compared to the Nasdaq's 12.7% and 18.3% returns respectively. Over the past three months, the Buffalo-based bank's shares rose 2.6% against the Nasdaq's 1.2% gain. The outperformance follows strong second-quarter results reported in July, with record earnings per share of $5.32, up 25.5% year-on-year. Taxable-equivalent net interest income increased 4.8% to $1.80 billion, whilst total average loan balances grew 4.4%. Nonaccrual loans fell 23.2% to $1.2 billion, indicating improved asset quality. M&T Bank has a market capitalisation of approximately $34.6 billion.

INACTIVE