Serves as the primary technical resource responsible for data extraction, transformation, analysis, dashboard development, and operational reporting supporting Credit Review activities. Serves as a "hands-on keyboard" analytics expert in developing complex methods, processes, and systems to consolidate and analyze diverse big data sources to generate insights and solutions for the Credit Review team, and for product enhancements. Works closely with the Credit Review Data Steward to support the Credit Review Department’s portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Assists other members of the Credit Review Professional Practices team with data visualization initiatives.
POSITION RESPONSIBILITIES:Data Extraction & Transformation
- Extract data from Commercial and Consumer loan systems and from data warehouse environments.
- Create repeatable Extract, Transform, Load (ETL) processes.
- Build automated datasets.
Portfolio Analytics
- Produce portfolio segment analyses.
- Monitor asset quality trends.
- Generate concentrations and risk stratifications.
- Support Credit Review’s Risk Assessment processes.
Sample Selection Analytics
- Assist in determining, developing and stratifying portfolio populations.
- Generate statistically valid samples.
- Document sample methodologies.
Dashboard Development
Build and maintain dashboards tracking factors such as Credit Review’s review universe, planned versus completed reviews, testing deviation trends, delinquencies, Criticized assets, charge-offs, risk rating migration, and emerging portfolio risks.
Ad-Hoc Analysis
- Support Credit Review’s Targeted Review activity.
- Perform targeted portfolio analyses.
- Respond to management requests.
- Support regulatory examinations.
Complete other related duties as assigned.
NATURE AND SCOPE:
N/A
MANAGERIAL/SUPERVISORY RESPONSIBILITY:
None
MINIMUM QUALIFICATIONS REQUIRED:
- 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
- Proficiency with pertinent statistical software and languages and tools
- Experience with various hybrid databases both on premise and in the cloud
- 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
- Experience analyzing large data sets
IDEAL QUALIFICATIONS PREFERRED:
- 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
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of America
Skills Required
- Bachelor's degree and at least five years of related experience, or equivalent education and work experience including five years of related experience
- Experience applying statistical and data science principles, including A/B testing, sample selection, hypothesis testing, and modeling bias
- Proficiency with relevant statistical software, programming languages, and analytical tools
- Experience working with hybrid databases in on-premise and cloud environments
- Intermediate knowledge of SQL and NoSQL
- Intermediate understanding of Bayesian modeling, classification models, cluster analysis, neural networks, non-parametric methods, and multivariate statistics
- Experience analyzing large datasets
- Credit risk management or credit review experience
- Knowledge of data management, analysis, and warehousing products, systems, and workflows, including Python, Power BI, and Alteryx
- Proficiency with data governance tools and data warehousing concepts
- Experience remediating complex data issues
- Strong knowledge of statistical sampling methodologies and statistical analysis techniques and tools
- Strong portfolio analytics capabilities
- Strong data visualization skills, including Power BI and Tableau
- Understanding of AI, generative AI, and machine learning applications and capabilities
- Prompt engineering skills
M&T Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about M&T Bank and has not been reviewed or approved by M&T Bank.
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Retirement Support — Retirement benefits are positioned as a strong pillar, including a 401(k) match and the possibility of an additional employer contribution, plus access to an employee stock purchase plan.
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Leave & Time Off Breadth — Time-off offerings are framed as competitive, with a flexible PTO approach and paid volunteer time called out as a meaningful add-on to standard leave.
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Wellbeing & Lifestyle Benefits — Wellbeing support appears comparatively robust, highlighted by mental-health therapy/coaching sessions and broader wellness programming alongside community-oriented perks.
M&T Bank Insights
What We Do
M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
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