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About the Role
Serves as the primary technical resource for data extraction, transformation, analysis, dashboard development, and operational reporting supporting Credit Review activities. Acts as a hands-on analytics expert to consolidate and analyze diverse big data sources, generating insights and solutions for the Credit Review team and for product enhancements. Collaborates with the Credit Review Data Steward to support the department’s portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Assists with data visualization initiatives.
Responsibilities
- Extract data from Commercial and Consumer loan systems and data warehouse environments.
- Create repeatable Extract, Transform, Load (ETL) processes.
- Build automated datasets.
- Produce portfolio segment analyses.
- Monitor asset quality trends.
- Generate concentrations and risk stratifications.
- Support Credit Review’s Risk Assessment processes.
- Assist in determining, developing and stratifying portfolio populations.
- Generate statistically valid samples.
- Document sample methodologies.
- Build and maintain dashboards tracking key credit review metrics.
- Support Credit Review’s Targeted Review activity.
- Perform targeted portfolio analyses.
- Respond to management requests.
- Support regulatory examinations.
- Complete other related duties as assigned.
Requirements
- Bachelor’s degree and a minimum of 5 years related experience, or in lieu of a degree, a combined minimum of 9 years higher education and/or work experience, including a minimum of 5 years related experience.
- Experience working with multiple statistics and data science principles such as AB testing, sample selection, hypothesis testing, and modeling bias.
- Experience with various hybrid databases both on premise and in the cloud.
- Experience analyzing large data sets.
Skills
- Proficiency with pertinent statistical software and languages and tools.
- Intermediate level knowledge of Structured Query Language (SQL) and Not Only Structured Query Language (nSQL).
- Intermediate understanding of modeling techniques such as Bayesian Modeling, Classification models, Cluster analysis, Neural Network, Non-parametric methods, and Multivariate statistics.
- Credit Risk Management or Credit Review experience.
- Extensive knowledge of and familiarity with data management, analysis, and warehousing products, systems and workflows (Python, Power BI, Alteryx, etc.).
- Highly proficient with Data Governance Tools and with data warehousing concepts.
- Experience participating in the remediation of complex data issues.
- Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools.
- Strong portfolio analytics capabilities.
- Strong data visualization skills (Power BI, Tableau).
- Understanding of AI, Generative AI, and Machine Learning applications and capabilities are considered a plus.
- Prompt engineering skills are considered a plus.
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
Experience Level
- 5+ years related experience
- 9+ years combined higher education and/or work experience (if no degree)
Education Level
- Bachelor's degree
Salary/Compensations
- $103,000.00 - $171,600.00 USD
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.