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M&T Bank

Full-service banking with mortgage, deposits, loans

Financial Analyst 2 - Regulatory Reporting

Full-TimeUpdated on 10/28/2026
$62.2k - $103.6k/yr
Junior
Bachelor's, Associate's
Buffalo, NY, USA
HybridHybrid position requiring 4 days per week in the Buffalo office.
AccountingFinancial Accounting
No H1B Sponsorship

About the job

Requirements
  • A bachelor's degree and at least 2 years of experience, or an associate's degree and at least 4 years of experience, in accounting, auditing, operations, or financial institutions.
  • Good knowledge of finance and accounting concepts, business operations, and/or bank products, and basic knowledge of the banking industry.
  • High level of personal computer competencies, including Excel, PowerPoint, Word, and Access.
  • Detail oriented, with strong problem-solving skills.
  • Good verbal and written communication skills.
Responsibilities
  • Conduct technical research and prepare or analyze financial, tax, and/or regulatory information for senior management, regulators, internal and external audit, and other interested parties while adhering to internal controls and ensuring data quality.
  • Provide cross-training and support to new team members.
  • May independently assist with problem resolution and data interpretation, perform variance analysis, ensure timely submission of reports, assist with project design, and lead projects of moderate scope.
  • Prepare complex financial schedules, reconciliations, and reports for the Corporation, including bank regulatory reports, SEC reporting, reports to shareholders and the Board of Directors, and internal management reports; apply knowledge of relevant tax regulations.
  • Use judgment to analyze information and identify meaningful information.
  • Perform data integrity testing and general ledger entries, and adhere to generally accepted accounting principles, SEC disclosure requirements, and bank regulatory requirements.
  • May present to immediate managers or peers on subject matters within the employee's expertise.
  • Maintain a foundational understanding of M&T's or the applicable Business Unit's financial statements, including awareness of key drivers and trends in major balance sheet and income statement line items.
  • Participate in training and development opportunities across Finance and supported businesses.
  • Adhere to department timelines and deliverables.
  • Adhere to company risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite, and identify risk-related issues requiring escalation to management.
  • Design, implement, maintain, and enhance internal controls to mitigate risk, and identify risk-related issues requiring escalation to management.
  • 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.
Desired Qualifications
  • A bachelor's degree in Finance or Accounting, or a related field.
  • Experience with data visualization or data querying applications is a plus.

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

6 month growth

0%

1 year growth

11%

2 year growth

11%
PR Newswire
Oct 26th, 2026
M&T Bank and Wilmington Trust appoint Brian Green as chief investment officer

M&T Bank Corp. has named Brian Green chief investment officer for M&T Bank and Wilmington Trust, effective October 26, 2026. He succeeds Tony Roth, who retires at the end of this year. Green will lead the Asset Management team of economists, strategists, researchers, and portfolio managers serving wealth and institutional clients. He will set the investment philosophy and oversee strategies, reporting to Lisa Roberts, head of wealth management at Wilmington Trust. Green has more than 30 years of experience in investment management and private wealth. He most recently served as chief investment officer of private wealth at Glenmede Trust Co. and earlier held investment roles at BNY Mellon and JPMorgan Chase. "Brian has extensive experience developing tailored investment solutions for both individual and institutional clients," Roberts said.

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.