Provides analytical and technical support for the development, refinement, and ongoing monitoring of credit risk models used to meet regulatory requirements and support the Bank’s strategic risk management objectives. This includes models for loss forecasting, default probability estimation, and other credit‑sensitive behaviors across lending portfolios. Performs data preparation, exploratory data analysis, and model estimation under the guidance of senior modelers, leveraging strong quantitative skills and proficiency in Python, SQL, and statistical methods. Collaborates with Credit Risk Management, Model Risk Management, and business line partners to ensure model methodologies, assumptions, and outputs align with regulatory expectations and the Bank’s broader credit risk framework. Communicates analytical results through clear narratives, visualizations, and documentation that support model development, validation activities, and ongoing performance monitoring.
Primary Responsibilities:
Scope of Responsibilities:
The position serves as a mid‑level quantitative analyst responsible for applying statistical programming and analytical techniques to support the development, implementation, and maintenance of credit risk models. The analyst works with complex datasets and contributes to the creation of behavioral and credit‑sensitive models. The role requires clear communication of findings through narratives, visualizations, and technical explanations. Success requires strong attention to detail, consistent execution, and the ability to manage multiple concurrent initiatives in collaboration with teams across the Bank. The analyst must be able to identify and interpret complex business, data, and statistical issues, contributing to solutions that enhance model performance and support broader risk management objectives.
Supervisory/Managerial Responsibilities:
Not Applicable
Education and Experience Required:
Education and Experience Preferred:
Physical Requirements:
None
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,600.00 - $119,300.00 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.
