Perform advanced credit risk data analysis in support of the consumer deposit overdrafts to identify areas of risk, evaluate the risk of proposed product, process, policy, and model changes, and provide ongoing monitoring of credit metrics. Forecast overdraft charge-off losses for capital adequacy planning and the annual operating plan. Ensure compliance with internal governance processes and external regulatory requirements; provide expertise and guidance to first-line partners. Support additional consumer unsecured products (credit cards, unsecured loans) as needed.
Bachelor degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline,
OR in lieu of degree,
A combined minimum of 7 years higher education and/or work experience to include a minimum of 3 years relevant experience.
-OR-
Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 1 year relevant experience,
OR in lieu of degree,
A combined minimum of 7 years higher education and/or work experience to include a minimum of 1 year relevant experience.
Minimum of 3 years relevant experience
Banking or Financial Services experience. Credit Analysis experience preferred. Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages.
Advanced Knowledge of SQL and Microsoft Office.
Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
Demonstrated ability to communicate complex concepts.
Demonstrated ability to manipulate and analyze data across large databases.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Buffalo, New York, United States of America
Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. Founded in 1856 in Buffalo, NY we are now a top 11 full-service US-based commercial bank with a retail footprint across the east coast and wealth services available nationwide and abroad. As a bank, we offer advice, guidance, expertise, and solutions across the entire financial spectrum that combines M&T’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. We are a community-minded organization with more than 167 years of experience. We serve customers, community, and colleagues whether they be across the street, across the state or across the country.
As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor and we seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.
M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.
