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M&T Bank

Full-service banking with mortgage, deposits, loans

Lead Software Engineer - .NET, Azure

Full-TimeUpdated on 10/23/2026
$128.1k - $213.5k/yr
Senior
Bachelor's, Associate's
Wilmington, DE, USA
HybridFour days onsite in Wilmington, Delaware; one day per week working from home.
Software Engineering

About the job

Requirements
  • An associate’s degree and at least 7 years of systems analysis and/or application development work experience, or a bachelor’s degree and at least 5 years of such experience. In lieu of a degree, a combined minimum of 9 years of education and/or relevant work experience is accepted, including at least 5 years of systems analysis and/or application development work experience.
  • Expert proficiency in at least one relevant programming language and professional proficiency in at least one additional relevant programming language.
Responsibilities
  • Develop and coach team members while independently working on applications within approved Software Development Life Cycle processes, identifying and recommending metrics to meet business needs and minimize bank risk through clean, resilient code.
  • Review and approve pull-request designs and proposals, and oversee change-management execution for requests.
  • Design the peer-review process and coach others on code reviews, code quality, and improvements.
  • Write organized, clean, efficient, and secure source code at an expert level in at least one programming language and at a moderate level in at least one other language, while coaching team members on data structures and algorithms for business problems.
  • Lead the design, delivery, and operational excellence of cloud-native applications hosted on Azure, ensuring scalable, secure, resilient, and cost-effective solutions aligned with enterprise architecture and regulatory requirements.
  • Drive adoption of Agentic AI across the software development lifecycle using AI-powered agents to accelerate design, coding, testing, code reviews, and documentation, while establishing governance, quality, and responsible AI practices.
  • Oversee team members’ source-control management inclusions and merge code developments into the production deployment path.
  • Review team members’ testing methodologies and code coverage to ensure comprehensive testing, and coach them on areas for improvement.
  • Drive adherence to patterns and practices for performance testing, resiliency, and optimization within the domain.
  • Review and approve team requirement plans in alignment with delivery partners, ensuring requirements are complete, accurate, and feasible.
  • Partner with other groups and suggest continuous process improvements across organizational boundaries when technical or architectural concerns warrant them.
  • Contribute technical requirements to support delivery and maintenance solutions within the domain.
  • Communicate architecture, progress, and challenges effectively to business and technical stakeholders and teams.
  • Contribute ideas and recommendations to application architecture, engineering practices, and pattern changes, and present at architecture peer-group and review-board meetings within the domain.
  • Present the team’s work at internal peer meetings and author internal blog posts.
  • Adhere to company risk and regulatory standards, policies, and controls in accordance with its Risk Appetite, and identify risk-related issues requiring escalation to management.
  • Promote a culture of belonging that reflects the M&T Bank brand.
  • Maintain 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
  • Expert analytical skills specific to application development.
  • Experience working in a team environment.
  • Ability to work autonomously.
  • Ability to multitask on multiple complex projects.
  • Strong organizational skills.
  • Strong time-management skills.
  • Advanced verbal and written communication skills.
  • Experience driving project milestones and delivery dates.
  • Proven experience leading a project or initiative.
  • Experience partnering with and presenting to multiple stakeholders in technology and business departments.

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.