Responsible for monitoring, evaluating, and interpreting data on the Bank’s Commercial Loan portfolio as it relates to the Credit Risk Rating Framework including preparation of trend analysis, exposure limits and various risk identification reports.
Develop tools allowing for the monitoring of movements in the portfolio, identify emerging risks and make recommendations to management.
Leverage risk experience and business knowledge to assist in planning initiatives to accomplish enterprise-wide goals around the Commercial Portfolio.
Primary 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 through large commercial datasets using statistical analysis in Statistical Analysis System (SAS), PYTHON or similar tool to properly compare estimates to historical performance. Communicate analytical results to Bank-wide stakeholders.
- 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/departments across the Bank as required.
- Develop Knowledge around various Banking Regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees.
- Lead special projects as requested by Management.
- Leadership/mentor junior staff.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- 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 together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Supervisory/ Managerial Responsibilities:
N/A
Education and Experience Required:
Bachelor’s Degree in a Business or Mathematics-based or related Disciple, or in lieu of degree four- or five-years’ credit risk, financial or business analysis experience. Five years’ relevant experience in Banking, Risk or Finance analysis or a related field. Five years’ experience preparing written documentation and/or papers/publications.
Statistical Analysis System (SAS), PYTHON or similar tool
Education and Experience Preferred:
MBA preferred.
Development of Statistical Models
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $74,600.00 - $124,400.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.LocationClanton, Alabama, United States of AmericaM&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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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.
