Full-Time

Financial Analyst 3

Treasury Business Unit Controller

Posted on 7/9/2026

M&T Bank

M&T Bank

10,001+ employees

Full-service banking with mortgage, deposits, loans

Compensation Overview

$74.6k - $124.4k/yr

No H1B Sponsorship

Buffalo, NY, USA

Hybrid

Hybrid role; four days in-office per week in Buffalo, NY.

Category
Finance & Banking (1)
Required Skills
Word/Pages/Docs
Excel/Numbers/Sheets
PowerPoint/Keynote/Slides

People at M&T Bank

People at M&T Bank who can refer or advise you

Requirements
  • Bachelor's degree and a minimum of 3 years’ experience OR Associate's degree and a minimum of 5 years’ experience in accounting auditing, operations or financial institutions
  • Comprehensive understanding of finance, accounting and/or regulatory reporting concepts, business operations and/or bank products and knowledge of banking industry
  • High level of PC competencies (Excel, PowerPoint, Word, Access)
  • Data visualization or data querying applications are a plus
Responsibilities
  • Mentors junior team members
  • Responsible for problem resolution and data interpretation, perform or review variance analysis, and ensure timely submission of reports.Provide cross training/support to new team members.
  • Prepare more complex financial schedules, reconciliations and reports for the Corporation, which could include bank regulatory reports, SEC reporting, reports to shareholders and the Board of Directors, as well as internal management reports.
  • Evaluates situations using multiple sources of information and suggests insightful conclusions.
  • Other functions include data integrity testing, general ledger entries, adherence to generally accepted accounting principles, SEC disclosure requirements, and bank regulatory requirements. May be responsible for the review of the work of junior staff. Participates in special projects, improve existing processes, and interact with business line personal and communicate those results to department management.
  • Ensure success through shared responsibility of team workload to achieve department/project objectives (volume, quality, timeliness of end results).
  • Participate in training and development opportunities across Finance and the Bank.
  • Understand, adhere, and contribute to improvement / timeliness of deliverables and process efficiency.
  • Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.Identify risk-related issues needing escalation to management.
  • 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.
  • Complete other related duties as assigned.
Desired Qualifications
  • Bachelor’s degree in Finance or Accounting or related field.
  • Financial Services Industry experience
  • Treasury
  • CPA
  • Derivatives
  • ALM
  • Financial modeling
  • Hedging
  • Detail oriented, with advanced problem-solving skills
  • Good verbal and written communication skills
  • Demonstrated ability to multi task while prioritizing workload

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

People at M&T Bank

People at M&T Bank who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Commercial lending drives major loan growth in 2026, boosting fair value to $232.
  • Commercial real estate turns positive in Q1 2026 as loan approvals double and growth resumes.
  • Commercial loans rose $1.5B to $63.8B in Q1 2026 across Middle Market and Business Banking.

What critics are saying

  • Earnings volatility risk persists from credit outcomes despite CET1 of 10.33% in next 6–12 months.
  • Aggressive CRE originations expose M&T to valuation declines with 35–55% probability over 9–15 months.
  • Deposit base of $166.9B may contract amid regional stress, creating existential liquidity shock risk in 12–24 months.

What makes M&T Bank unique

  • M&T Bank wins through differentiated service and disciplined execution over price competition.
  • M&T combines conservative underwriting with strong local market presence for resilient credit quality.
  • M&T diversifies revenue via wealth and institutional services like Wilmington Trust beyond spread income.

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

11%

1 year growth

11%

2 year growth

11%
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")