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About the Role
Leads the Credit Review Data and Analytics function, serving as the department's expert in portfolio analytics, data architecture, reporting, sampling methodologies, and AI capabilities. Owns the analytical framework for the portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Acts as the liaison between Credit Review and Enterprise Data, Technology, Risk, and Finance organizations. Ensures Credit Review data documentation and quality satisfy business needs and coordinates efforts to maintain and improve data quality.
Responsibilities
- Develop and maintain the Credit Review team’s review and Reviewable Entity universe.
- Translate commercial and consumer loan portfolio data into Reviewable Entities.
- Create methodologies for portfolio segmentation and risk stratification.
- Develop and maintain portfolio monitoring metrics.
- Support the portfolio Risk Assessment process and review planning.
- Establish repeatable processes for extracting data from M&T platforms.
- Validate data quality and completeness.
- Maintain data lineage documentation.
- Manage relationships with data owners and technology teams.
- Design statistically valid sampling approaches.
- Develop risk-based and judgmental sampling frameworks.
- Optimize sample sizes while maintaining appropriate coverage.
- Support examiner and audit requests regarding sample methodology.
- Build and oversee dashboards for delinquencies, defaults, charge-offs, Criticized/Classified assets, risk ratings, Watchlist credits, policy exceptions, testing deviation and Findings, and review plan execution.
- Identify AI use cases within Credit Review.
- Evaluate Generative AI and predictive analytic solutions.
- Partner with Model Risk and Technology.
- Develop controls and governance around AI deployment.
- Pilot AI solutions involving credit memo analysis, review planning, sample selection, Findings summarization, risk trend identification, etc.
- Complete other related duties as assigned.
Requirements
- Bachelor’s degree and a minimum of 7 years related experience, or in lieu of a degree, a combined minimum of 11 years higher education and/or work experience, including a minimum of 7 years related experience.
- Minimum of 2 years’ managerial, supervisory, and/or work leadership experience.
- Expert ability to pull data from Structured Query Language (SQL) platforms.
- Proven ability to close data issues.
- Experience owning the business relationship to get complex business requirements and translate those into tech requirements for engineers.
- Experience setting the user acceptance test parameters to ensure conformity to business objectives.
- Knowledge of data management.
Skills
- Credit Risk Management
- Credit Review
- Data management
- Data analysis
- Data warehousing
- Python
- Power BI
- Alteryx
- Data Governance Tools
- Statistical sampling methodologies
- Statistical analysis techniques
- AI
- Generative AI
- Machine Learning applications
- Prompt engineering
- Application Programming Interface (API) integrations
- Portfolio analytics
Location
- Buffalo, New York, United States of America
Work Type
- Full-time
Experience Level
- 7 years related experience
- 2 years managerial/supervisory/work leadership experience
Education Level
- Bachelor's degree
Salary/Compensations
- $123,600.00 - $206,000.00 Annual (USD)
About the Company
- M&T Bank is committed to fair, competitive, and market-informed pay for our employees.