M&T Bank Corporation

Enterprise Architect - Commercial Lending

M&T Bank Corporation • $139K — $232K *
Buffalo, NY 14221In-Person
Finance & Insurance
8 - 10 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Bachelor's degree and 7 years of relevant work experience, or 11 years of combined higher education and/or relevant work experience in lieu of a degree.
  • 10+ years in enterprise architecture, solution architecture, or technology leadership roles, including 3+ years in Commercial Lending technology.
  • 7+ years of experience in developing and integrating applications using software architecture principles.
  • Knowledge of institutional banking products and services, including capital markets and structured finance.
  • Experience driving innovation within financial services.

Responsibilities

  • Define and evolve enterprise architecture strategies and roadmaps aligned with business priorities.
  • Develop high-level architectural models supporting secure and scalable solutions.
  • Translate strategic objectives into actionable solution architectures for delivery teams.
  • Ensure architectural solutions comply with financial regulations and internal risk frameworks.
  • Partner with business leaders and technology teams for architectural alignment across systems.
  • Provide oversight and governance throughout the solution delivery lifecycle.
  • Build strong relationships with management to support decision-making.

Benefits

  • Collaborative work environment fostering innovation and strategic thinking.
  • Opportunities for professional development and continuous learning.
  • Engagement with cutting-edge technologies in the financial sector.
  • Strong emphasis on work-life balance and employee well-being.
Full Job Description
Job Summary

As an Enterprise Architect for Commercial Lending at M&T Bank, you will play a pivotal role in shaping the organization's technology strategy, landscape, and roadmap. In this role, you will serve as an integrative force across business and technology domains, establish trusted advisor partnerships with senior leaders, and drive the architecture of complex, high-priority initiatives that deliver significant business value. Your work will influence large-scale programs that are critical to the bank's long-term success, ensuring scalable, resilient, and forward-looking solutions.

Key Responsibilities
  • Strategic Planning: Define and evolve enterprise architecture strategies and roadmaps that align business priorities, regulatory requirements, and long-term technology vision.
  • High-Level Design: Develop high-level architectural models and frameworks that support secure, scalable, and resilient solutions across the bank, aligned with the strategic direction established by Enterprise Architecture function.
  • Detailed Solutions Architecture: Translate strategic objectives into actionable solution architectures that provide clear direction to delivery and engineering teams.
  • Regulatory & Risk Alignment: Ensure architectural solutions comply with financial industry regulations, internal risk frameworks, and data privacy standards, supporting auditability and operational integrity.
  • Cross-Functional Collaboration: Partner with business leaders, product owners, and technology teams to ensure architectural alignment across client services, digital platforms, and core banking systems.
  • Implementation Leadership: Provide architectural oversight and governance throughout the solution delivery lifecycle, ensuring adherence to enterprise standards and successful on-time execution of high-impact initiatives.
  • Trusted Advisor: Build strong relationships with management, providing expert advice and insights to support decision-making.
  • Communication: Communicate complex architectural concepts clearly and persuasively to both technical and non-technical audiences, fostering alignment and informed decision-making.
  • Vendor & Partner Engagement: Collaborate with external technology providers and service partners to ensure solutions meet enterprise standards for performance, cost-effectiveness, and agility in a highly regulated environment.


Required Skills
  • Strategic Thinking: Ability to align technology architecture with business strategy, identifying opportunities to drive value, efficiency, and innovation across complex financial services ecosystems.
  • Business Acumen: Deep understanding of financial services, particularly the needs in the Commercial Banking sector, with the ability to translate those needs into effective architectural solutions.
  • Enterprise Architecture Expertise: Proficiency in developing and applying enterprise architecture frameworks (e.g., TOGAF, Zachman) to guide technology planning, governance, and execution.
  • Solution Design: Skilled in designing end-to-end solutions that are scalable, secure, and aligned with enterprise standards, while addressing both current and future-state business capabilities. Ensure interoperability between systems along the entire value stream of commercial lending from opportunity to payoff.
  • Technology Integration: Experience integrating diverse systems, platforms, and data sources to create cohesive, interoperable solutions that support seamless client experiences and operational efficiency.
  • Risk and Compliance Awareness: Strong grasp of regulatory and risk considerations in financial services, with the ability to architect solutions that meet compliance, audit, and data governance requirements.
  • Stakeholder Engagement: Proven ability to collaborate with senior business and technology leaders, facilitating alignment, managing expectations, and influencing strategic decisions.
  • Communication and Visualization: Excellent communication skills, with the ability to convey complex architectural concepts to both technical and non-technical audiences through clear documentation, presentations, and visual models.
  • Change Leadership: Ability to lead through ambiguity, drive consensus, and support organizational change as part of large-scale transformation initiatives.
  • Product Operating Model: Experience working within Agile product delivery organizations and partnering with product managers, product owners, and engineering teams to define technology strategy and roadmaps.
  • Critical Thinking Skills: A creative and analytical approach to diagnosing and resolving technical challenges.
  • Lending Platform Strategy: Lead technology strategy and evaluation activities for commercial lending platforms supporting origination, underwriting, servicing, portfolio management, treasury management, collateral management, and customer relationship management.
  • Continuous Learning: A passion for staying updated on financial services related technologies and their rapidly evolving tools, features, and best practices.


Expected Knowledge
  • Strong knowledge of financial services industry domains, particularly commercial banking services including commercial loans, lines of credit, leveraged finance, syndications, participations, leases, equipment finance, dealer floor plan, and asset-based lending.
  • Understanding of modern technology architectures, including cloud, microservices, APIs, data platforms, and integration patterns
  • Awareness of cybersecurity principles, data privacy standards, and secure architecture practices
  • Familiarity with business capability modeling, value stream mapping, and other business architecture techniques
  • Knowledge of regulatory and compliance requirements relevant to financial institutions (e.g., FFIEC, SOX, GLBA, GDPR)
  • Proficiency in using architectural modeling tools and documentation standards
  • Knowledge of IT governance, portfolio management, and enterprise change management processes
  • Understanding of data architecture concepts, including data governance, master data management, and analytics enablement
  • Familiarity with emerging technologies and their potential impact on financial services
  • AI and Intelligent Automation: Understanding of artificial intelligence, generative AI, machine learning, intelligent document processing, and workflow automation technologies and their application within banking and commercial lending.
  • Data and Analytics: Experience defining business data domains, data governance requirements, analytical platforms, and integration patterns that support lending, risk, finance, and regulatory reporting.
  • Experience in vendor and third-party solution evaluation, selection, and integration strategies
  • Awareness of agile, DevOps, and product-centric delivery models and how architecture supports them
  • Experience with commercial lending and adjacent platforms, such as nCino, AFS, Bottomline, Salesforce, Moody's, FIS, PrecisionLender, Jack Henry, and Abrigo, as well as treasury management, commercial onboarding, KYC, customer relationship management, collateral, construction loan administration, equipment finance, and dealer floor plan systems.

Qualifications
  • Bachelor's degree and 7 years of relevant work experience, or in lieu of a degree, a combined minimum of 11 year's higher education and/or relevant work experience
  • 7 or more years of experience in developing and integrating applications using relevant software architecture principles and patterns
  • 10+ years of experience in enterprise architecture, solution architecture, software engineering, or technology leadership roles, including 3+ years supporting Commercial Lending technology within a financial institution.
  • Knowledge of institutional banking products and services including capital markets, investment management, structured finance, and M&A
  • Experience in driving and delivering innovation within the realm of financial services
  • Working knowledge of architecture diagramming practices, architectural frameworks, and/or enterprise architecture tools
  • Work experience in software engineering, software delivery and/or solution architecture including developing and integrating applications using relevant software architecture principles and patterns

Expected Deliverables
  • Architecture Roadmaps: Visual and narrative representations of the existing and target architecture landscapes, including capability maps, system interactions, and technology stacks, that align technology capabilities with business goals across technology domains.
  • High-Level Design Documents: Comprehensive documentation for major initiatives or programs, ensuring alignment with enterprise standards and business requirements.
  • Architecture Principles and Standards: Defined guidelines and best practices to ensure consistency, scalability, and compliance across technology solutions.
  • Technology Assessments and Recommendations: Evaluations of emerging technologies, platforms, or vendor solutions with documented recommendations for adoption or integration.
  • Gap Analyses and Impact Assessments: Identification of gaps between current and future states, along with assessments of business and technical impacts.
  • Stakeholder Presentations and Briefings: Engaging executive-level presentations that communicate progress and outcomes to business and technology leaders.
  • Reference Architectures and Patterns: Reusable templates and design patterns that accelerate solution delivery and promote architectural consistency.


This role is ideal for a strategic thinker with strong technical expertise, excellent communication skills, and a passion for driving innovation in the financial sector. Join M&T Bank and be part of a team that is shaping the future of banking technology.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $139,700.00 - $232,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

Location
Buffalo, New York, United States of America

About M&T Bank Corporation

M&T Bank is a financial holding company headquartered in Buffalo, New York. M&T's principal banking subsidiary, M&T Bank, operates banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Trust-related services are provided by M&T's Wilmington Trust-affiliated companies and by M&T Bank. M&T Bank traces its origins to the founding of Manufacturers and Traders Bank in Buffalo, New York. As a result of mergers, acquisitions, and name changes, M&T Bank Corporation's principal bank is now known as Manufacturers and Traders Trust Company or M&T Bank. M&T Bank reorganized under a bank holding company in 1969 called First Empire State Corporation. The name was changed in 1998 to M&T Bank Corporation, whose common stock is listed on the New York Stock Exchange and trades under the symbol "MTB."

M&T Bank Corporation Careers

Join the vibrant team at M&T Bank Corporation, a leading financial institution where innovation meets tradition, offering a plethora of job opportunities across various sectors. As one of the most respected banks in the nation, M&T Bank Corporation is the perfect place to jumpstart or advance your career in the financial services industry.

Work You’ll Do

At M&T Bank Corporation, you will be part of a culture that cherishes diversity, leadership, and professional growth. Engage in work that makes a real difference in the community while fostering your career development through comprehensive training programs and diverse learning opportunities.

Innovate and Lead

Embrace the chance to work on projects that integrate cutting-edge financial technologies with robust, traditional banking practices. M&T Bank Corporation is at the forefront of the financial industry, offering innovative solutions that redefine banking standards. Our leadership in the market is driven by a commitment to excellence and continuous improvement.

Career Growth and Opportunities

Whether you are looking for an entry-level position or a more senior role, M&T Bank Corporation provides a dynamic pathway for career advancement. With a variety of job opportunities ranging from internships to full-time positions, you can find the perfect match for your skills and ambitions. Our team is dedicated to helping you navigate your career path with tailored development plans and leadership training.

Join Our Team

Explore job opportunities and join a team that values hard work, creativity, and strategic thinking. M&T Bank Corporation is hiring professionals who are passionate about finance and eager to contribute to a team-oriented environment. Enhance your skills through hands-on experience and ongoing professional development.

Networking and Professional Development

At M&T Bank Corporation, networking and professional development are part of our DNA. Connect with industry leaders, participate in high-impact networking events, and take advantage of our mentorship programs. Our employees benefit from a supportive network that boosts their career trajectories and fosters meaningful professional relationships.

Benefits and Culture

Enjoy a comprehensive benefits package that supports both your professional and personal life. M&T Bank Corporation offers competitive salaries, health benefits, and retirement plans designed to ensure the well-being of our team members and their families. Experience a supportive and inclusive culture where every employee is valued and given the opportunity to thrive.

How to Apply

Ready to take the next step in your career? Visit the M&T Bank Corporation Careers page to browse current openings, submit your resume, and prepare for your interview. We are excited to see how your skills and ideas can contribute to our continued growth and success.

Stay Connected

Keep up to date with the latest from M&T Bank Corporation by following our careers blog. Gain insights from our experts and stay informed about new job openings and upcoming networking events. Join M&T Bank Corporation today and be part of a team that is dedicated to growth, innovation, and leadership in the banking industry. Your future starts here!
Learn more about M&T Bank Corporation
Size
17,115 employees
Market Cap
$25.2 billion
Industry
Finance & Insurance
Net Income
$1.3 billion
Founded
1868
5 Year Trend
+0.2%
NASDAQ
MTB
* Ladders Estimates

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