Full-Time

Business Systems Analyst 4

Corporate Services

Posted on 8/1/2025

M&T Bank

M&T Bank

10,001+ employees

Full-service banking with mortgage, deposits, loans

Compensation Overview

$70k - $116.7k/yr

Buffalo, NY, USA

In Person

Category
Business & Strategy (2)
,
Required Skills
Risk Management
Business Analytics
Requirements
  • Combined minimum of 5 years' higher education and/or operational/business analytics experience
  • Strong verbal and written communication skills
  • Strong organizational skills
  • Strong time management skills
  • Strong lateral thinking skills
  • Strong problem-solving skills
  • Proficiency with personal computers as well as pertinent software packages
  • Excellent problem solving skills to assist in issue resolution
Responsibilities
  • Responsible for preparing well documented functional specifications/requirements and use cases for assigned projects, test plans, test cases and execution of test cases.
  • Serve as functional lead on moderately complex projects for assigned application(s).
  • Meet with business client to discuss requested application changes related to an enterprise-wide or business initiative, compliance/regulatory requirement, required system change due to contractual agreement or system maintenance (business as usual [BAU]) ensuring a thorough understanding of specifications for assigned applications.
  • Participate in meetings with lines of business to identify their requirements in how an application looks and feels to the end user and provide feedback to clients regarding business requirements to ensure technology applications support internal/external customer needs and products/services as provided by lines of business.
  • Coordinate and provide estimates for moderately complex to complex projects and complete estimates for assigned component on large projects, inclusive of timelines and project phases.
  • Serve as subject matter expert to consult and advise on how applications may be impacted by enterprise-wide initiatives, like an acquisition or major change in products/services provided to customers.
  • Work with vendor to gain thorough understanding of project functionality and provide insight on implementation.
  • May act as Test Coordinator for large project initiatives involving multiple applications.
  • Participate in and document data mapping for integration of systems, conversion, and acquisition related projects to understand how applications may need to change or be impacted by enterprise-wide initiatives, like regulatory requirements, other system enhancements or business initiatives.
  • Work with other testing teams, when applicable, to prepare test plans and scripts based on functional specifications, and manage and/or execute test cases verifying changes and enhancements work and perform as required.
  • Monitor functional specifications and change requests to ensure project stays within scope and meets regulatory requirements, while ensuring adherence to business requirements and Corporate Technology standards.
  • Ensure efficient and timely resolution of issues arising from testing or implementation to ensure expected performance.
  • Coordinate and manage post-implementation by getting feedback, resolving any issues and completing a debrief including actual to plan for timeframe and financials.
  • Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.
  • 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 together with any issues raised by external regulators as applicable.
Desired Qualifications
  • Bachelor's degree
  • Subject matter expert in business with knowledge or experience utilizing application/system being supported.
  • Capable of working on multiple projects of a moderately complex to complex nature.
  • Proven understanding of applications supported with a sound good knowledge of interfacing/integrated applications.
  • Ability to effectively use project management, word processing and spreadsheet applications.
  • Good understanding of the Bank’s application framework.
  • Familiarity with application development software and hardware platforms.
  • Ability to understand business supported and its’ terminology.
  • Ability to effectively present to all levels of management.
  • Ability to multitask for various components of moderately complex to complex projects.
  • Ability to coordinate between applications and business units.
  • Ability to work in a team environment as well as autonomously.
  • Ability to recognize project milestones and delivery dates.
  • Ability to recommend and implement solutions.
  • Proactive
  • Detail-oriented.
  • Growing understanding of Bank acquisition methodology or relevant conversion experience

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 Jobs

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.

Help us improve and share your feedback! Did you find this helpful?

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

-5%

1 year growth

-5%

2 year growth

-5%
Yahoo Finance
Mar 27th, 2026
M&T Bank Q1 2026 earnings preview: analysts expect $4.03 per share, up 19.2%

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.

Yahoo Finance
Mar 23rd, 2026
M&T Bank projects $7.2B-$7.35B net interest income for 2026 as loan growth accelerates

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.

StreetInsider
Mar 20th, 2026
SL Green refinances $2 billion of corporate credit facility

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...

PR Newswire
Mar 16th, 2026
M&T Bank posts record $2.88B earnings as CEO details technology transformation

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.

Benzinga
Mar 12th, 2026
American Public Education, Inc. Completes Refinancing with New $130 Million Senior Secured Credit Facility - American Public Education (NASDAQ:APEI)

~ 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")

INACTIVE