M

M&T Bank

Full-service banking with mortgage, deposits, loans

Senior Software Engineer - Oracle Cloud Applications

Full-TimeUpdated on 10/23/2026
$97.1k - $161.8k/yr
Mid, Senior
Bachelor's, Associate's
Buffalo, NY, USA
HybridFour days onsite at the Buffalo location and one day working from home per week.
Software EngineeringBackend Engineering

About the job

Requirements
  • An Associate’s degree and at least 5 years of systems analysis and/or application development experience, or a Bachelor’s degree and at least 3 years of such experience; alternatively, at least 7 years of combined education and/or relevant work experience, including at least 3 years of systems analysis and/or application development experience.
  • Advanced proficiency in at least one relevant programming language.
Responsibilities
  • Design, develop, and enhance Oracle APEX applications, including pages, regions, interactive reports and grids, validations, processes, Shared Components, and workflows.
  • Develop complex SQL and PL/SQL solutions using packages, procedures, functions, triggers, analytic functions, and structured exception handling.
  • Provision, configure, monitor, and support Oracle ATP environments, schemas, users, backups, and recovery activities.
  • Build and maintain OIC Gen 3 integrations and REST APIs using JSON, secure authentication, robust error handling, and established interface-development standards.
  • Apply secure coding practices, least-privilege access, secrets management, OAuth 2.0, data protection, and audit controls.
  • Participate in Git-based source control, pull requests, CI/CD pipelines, release coordination, deployment documentation, and rollback planning.
  • Create unit, integration, and regression tests; troubleshoot defects; and maintain clear test evidence.
  • Translate business requirements into maintainable technical solutions, estimates, and documentation while communicating effectively with stakeholders.
  • 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.
  • Maintain internal control standards, including timely implementation of internal and external audit points and issues raised by external regulators, as applicable.
  • Complete other related duties as assigned.
Desired Qualifications
  • At least five years of hands-on Oracle APEX development experience, including strong knowledge of APEX security fundamentals.
  • Hands-on experience with Oracle Autonomous Transaction Processing (ATP), including provisioning, configuration, schema and user administration, monitoring, backup, and recovery concepts.
  • Advanced SQL and PL/SQL development skills, including complex queries and database programming objects.
  • Experience developing interfaces with OIC Gen 3, REST APIs, JSON, authentication, and error handling.
  • Working knowledge of Oracle Cloud Infrastructure, including IAM, networking, compartments, monitoring, and logging.
  • Experience with Git, branching, pull requests, CI/CD practices, release management, and deployment documentation.
  • Programming experience with PL/SQL, Java, and JavaScript, plus understanding of object-oriented development practices.
  • Requirements gathering, technical writing, estimation, troubleshooting, and stakeholder communication skills.
  • Experience with Oracle APEX Universal Theme, REST Data Sources, plug-ins, accessibility, workflow, and performance tuning.
  • Knowledge of Oracle ATP autoscaling, performance tuning, Data Safe, and Oracle database migration.
  • Experience with Oracle Fusion or Oracle EPM.
  • Familiarity with ORDS, OAuth 2.0, API gateways, and enterprise integration platforms.
  • Experience with OCI Terraform, Vault, Functions, security remediation, data masking, compliance, or cost optimization.
  • Experience with automated API or UI testing, performance testing, test-data management, Jira, and Zephyr.
  • Agile delivery, process mapping, mentoring, and presentation experience.

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.