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About the Role
Perform advanced data and credit risk analysis to identify and quantify risks in M&T’s $19B Indirect lending portfolios. Support the unit in data analysis, portfolio deep dives, and loss estimation activities. Provide oversight and credit risk expertise during effective challenge efforts.
Responsibilities
- Lead Retail Quantitative Analysts in performing portfolio deep dives, asset quality monitoring, and interpreting data with a risk management focus and an understanding of business strategy.
- Mentor and supervise junior team members, assisting in the development of their analytics acumen in areas such as segmentation analysis, logistic regression, decision trees, and data visualization.
- Perform data manipulation and analysis using SQL, SAS, and Microsoft Excel, presenting results and recommendations to Credit Risk Management.
- Track portfolio performance and risk strategy results, incorporating observations and data into existing models to improve predictive results.
- Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite, identifying 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 and issues raised by external regulators.
- Complete other related duties as assigned.
Requirements
- Demonstrated working knowledge of Credit Risk databases to provide data and analytical support to Senior Management.
- Minimum of 5 years relevant experience.
- Banking or Financial Services experience.
- Experience with SAS, SAS Enterprise Miner, and other Statistical Software Packages.
- Advanced Knowledge of SQL and Microsoft Office.
- Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
- Demonstrated ability to communicate complex concepts.
- Demonstrated ability to manipulate and analyze data across large databases.
- Credit Analysis experience.
Skills
- Data Analysis
- Credit Risk Analysis
- Portfolio Deep Dives
- Loss Estimation
- Data Visualization
- Segmentation Analysis
- Logistic Regression
- Decision Trees
- SQL
- SAS
- SAS Enterprise Miner
- Microsoft Excel
- Microsoft Office
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
Experience Level
- Minimum of 5 years relevant experience
Education Level
- Bachelor degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, OR in lieu of degree, A combined minimum of 9 years higher education and/or work experience to include a minimum of 5 years relevant experience.
- Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 3 years relevant experience, OR in lieu of degree, A combined minimum of 9 years higher education and/or work experience to include a minimum of 3 years relevant experience.
Salary/Compensations
- $103,000.00 - $171,600.00 Annual (USD)
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.