Full-Time
Business Systems Analyst
Commercial and Credit Banking
Posted on 10/31/2025
M&T Bank
10,001+ employees
Full-service banking with mortgage, deposits, loans
Compensation Overview
$71.6k - $119.3k/yr
Buffalo, NY, USA
In Person
 Finance & Banking (2) |
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- Minimum of 5 years’ combined experience in business analytics, operations, or higher education.
- Strong verbal and written communication skills.
- Excellent problem-solving, organizational, and time management abilities.
- Proficiency in personal computing and relevant software tools.
- Demonstrated ability to mentor and lead cross-functional teams.
- Lead functional design and testing efforts for enterprise-wide initiatives, compliance requirements, and BAU system enhancements.
- Prepare detailed functional specifications, test plans, and test cases; execute and validate results.
- Facilitate backlog reviews and proactively identify gaps in user stories—asking “what-if” questions to ensure completeness.
- Collaborate with product owners to validate implementation accuracy and business alignment.
- Engage in data modeling and ERD diagram interpretation to support system integration and conversion efforts.
- Coordinate with vendors and internal teams to ensure seamless implementation and post-launch stability.
- Act as Test Coordinator for large initiatives involving multiple applications and teams.
- Support Commercial Customer Onboarding applications and related systems.
- Monitor scope, regulatory compliance, and adherence to Corporate Technology standards.
- Drive resolution of issues during testing and post-implementation phases.
- Promote a culture of belonging and innovation aligned with the M&T Bank brand.
- Bachelor’s degree.
- Subject matter expertise in commercial banking applications and systems.
- Experience with Jira or similar backlog management tools.
- Familiarity with application development platforms and banking frameworks.
- Ability to write complete user stories and identify gaps in existing documentation.
- Strong curiosity and analytical mindset—testing beyond documented boundaries.
- Experience supporting commercial customer onboarding or similar enterprise applications.
- Ability to work autonomously and collaboratively across technical teams.
- Understanding of bank acquisition methodology or conversion experience.
- You ask great questions and go beyond surface-level requirements.
- You’re a highly collaborative analyst and tester who thrives in cross-functional environments.
- You bring a proactive, detail-oriented approach to every project.
- You understand the business perspective and can translate it into actionable technical requirements.
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
Simplify's Take
What believers are saying
- Q1 2026 revenue hit $2.45B from commercial loan surge.
- Fee income grew 13% YoY in Q1 2026 via treasury services.
- United Bank merger expands footprint across Eastern U.S.
What critics are saying
- CRE office vacancies exceed 15% in New York, Maryland, Pennsylvania.
- Loan growth outpaces deposits, forcing costly wholesale funding.
- Fintechs like Chime erode Northeast retail deposit base.
What makes M&T Bank unique
- M&T Bank profitable every quarter since 1976, unlike peers.
- Top SBA lender nationally, #1 in key Eastern markets.
- Owns Wilmington Trust, largest U.S. personal trust providers.
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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
↓ -5%1 year growth
↓ -5%2 year growth
↓ -5%M&T Bank Corporation is expected to announce its fiscal Q1 2026 earnings on 15 April, with analysts forecasting earnings of $4.03 per share, up 19.2% year-over-year. The Buffalo-based bank holding company has beaten Wall Street estimates in three of the past four quarters. For full-year 2026, M&T Bank is projected to deliver earnings per share of $18.77, representing 9.1% growth from fiscal 2025. The company's shares have risen 11.9% over the past 52 weeks, outperforming the financial sector but trailing the broader S&P 500. The bank's recent performance has been driven by higher net interest income, improved margins and disciplined cost control. Analysts maintain a "Moderate Buy" rating, with a mean price target of $234.55, suggesting 14.6% upside potential.
M&T Bank has demonstrated solid revenue growth driven by its core lending business and fee-based operations. Net interest income grew at a 7.9% compound annual growth rate over seven years through 2025, supported by loan expansion and a strong deposit franchise. Loans and leases grew at a 12.9% CAGR over the same period, whilst deposits rose 9.2%. The bank has also strengthened non-interest income through treasury management, capital markets and mortgage banking, which grew at a 3.9% CAGR between 2018 and 2025. For 2026, management projects net interest income of $7.2-$7.35 billion and non-interest income of $2.67-$2.77 billion, up from $6.95 billion and $2.74 billion respectively in 2025. Average loans are expected to reach $140-$142 billion, with deposits at $165-$167 billion.
SL Green Realty Corp. (NYSE: SLG) refinanced $2.0 billion of its $2.4 billion corporate credit facility, extending maturities and reducing borrowing costs by 25 basis points across multiple components. The Manhattan...
M&T Bank chairman and CEO René Jones released his annual shareholder letter highlighting the bank's record $2.88 billion in earnings for 2025 and its technology transformation efforts. The letter emphasises how M&T outperformed peers despite an uncertain operating environment. Jones described the past year as a "Rorschach Economy", where different communities experienced varying economic conditions. He stressed the bank's focus on generating consistent, high-quality earnings rather than chasing short-term growth. The letter details M&T's investments in technology and talent development, whilst reinforcing the bank's commitment to traditional banking fundamentals. Jones credited the company's success to its employees, noting their adaptability and judgement in navigating industry changes. M&T operates across the eastern US from Maine to Virginia.
~ Proactive Step, Strengthens Liquidity, Reduces Borrowing Costs by ~$3.7 Million While Accelerating Growth ~CHARLES TOWN, W.Va., March 12, 2026 /PRNewswire/ -- American Public Education, Inc. (the "Company")