The Role
Analyzes commercial loan portfolio and credit risk data using statistical techniques, programming, and large databases. Evaluates probability of default and loss given default models, monitors portfolio trends and exposure limits, supports model governance and validation, develops risk reporting and visualizations, and provides data-driven recommendations to stakeholders and junior analysts.
Summary Generated by Built In
OVERVIEW:
POSITION RESPONSIBILITIES:
MINIMUM QUALIFICATIONS REQUIRED:
IDEAL QUALIFICATIONS PREFERRED:
Responsible for monitoring, evaluating, and interpreting data related to the Bank’s Commercial Loan Portfolio and Credit Risk Rating Framework. Performs advanced quantitative analysis, data exploration, and statistical techniques to identify trends, assess portfolio risk, monitor exposure limits, and produce risk identification reporting. Provides data-driven insights that support risk management, strategic decision-making, and the ongoing effectiveness of the Bank’s credit risk rating processes.
POSITION RESPONSIBILITIES:
- Contribute to the effective management of commercial credit risk by supporting the Risk Rating Framework through analytical practices, adherence to regulatory guidance, and understanding of M&T Credit Culture.
- Assist with the review of the Probability of Default and Loss Given Default Masterscales and the use of scorecards to assign credit risk ratings. Recommend improvements to Credit Risk Management.
- Support the PD and LGD Masterscales using large commercial datasets and statistical analysis in Statistical Analysis System (SAS), Python, or similar tools to compare estimates to historical performance and communicate analytical results to Bank-wide stakeholders.
- Compile, combine, profile, and analyze data from multiple sources to identify trends, monitor portfolio performance, explain variances, and support risk identification reporting.
- Collaborate with Model Risk Management to ensure compliance with model governance requirements, including documentation updates, performance monitoring, and validation support for department-owned models.
- Provide financial analysis and data support to other groups and departments across the Bank as required.
- Develop clear visualizations and reporting to explain analytical findings, portfolio trends, and risk-related insights.
- Provide guidance to junior analysts.
- Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
- Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators, as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
MINIMUM QUALIFICATIONS REQUIRED:
- Bachelor’s degree and a minimum of 3 years of related experience, or in lieu of a degree, a combined minimum of 7 years higher education and/ or work experience, including a minimum of 3 years related experience
- Familiarity with a common programming language
- Experience working in large databases
IDEAL QUALIFICATIONS PREFERRED:
- 4 or more years related work experience in data analysis
- Intermediate skills in programming languages such as SQL, SAS, Python, Julia or Java
- Experience working with a statistical analysis software package
- Experience with one or more cloud databases.
- Experience working within an agile environment
Skills Required
- Bachelor's degree and at least 3 years of related experience, or 7 years of combined higher education and work experience including at least 3 years of related experience
- Familiarity with a common programming language
- Experience working in large databases
- Four or more years of related data analysis experience
- Intermediate programming skills in SQL, SAS, Python, Julia, or Java
- Experience with statistical analysis software
- Experience with one or more cloud databases
- Experience working within an agile environment
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.
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The Company
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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