Credit Risk Data Analyst – Quantitative & Insights

M&T Bank Corporation; Buffalo (NY); Hybrid; USD 86,000 - 143,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY, is seeking a Data Quantitative Analyst - Credit Risk to monitor and interpret data for the Commercial Loan Portfolio and Credit Risk Rating Framework. The role conducts advanced quantitative analysis, explores data, and develops insights to support risk management and decision-making.

The successful candidate will collaborate with Model Risk Management, prepare risk reporting, and guide junior analysts while adhering to regulatory standards.

Qualifications

• Bachelor’s degree and a minimum of 3 years related experience, or a combined minimum of 7 years higher education and/or work experience with at least 3 years in related fields.
• Familiarity with a common programming language.
• Experience working in large databases.
• 4+ years of data analysis experience.
• Proficiency in SQL, SAS, Python, Julia or Java.
• Experience with SAS and cloud databases.
• Experience working in an Agile environment.

Responsibilities

• Support the Risk Rating Framework through analytical practices and regulatory alignment.
• Review PD and LGD Masterscales and utilize scorecards to assign credit risk ratings.
• Use large commercial datasets with SAS/Python to compare estimates to historical performance.
• Profile and analyze data from multiple sources to identify trends and support reporting.
• Collaborate with Model Risk Management for governance, documentation, and validation support.
• Provide financial analysis and data support across Bank departments as needed.
• Create clear visualizations and reporting of portfolio trends and risk insights.
• Provide guidance to junior analysts and promote risk awareness.
• Adhere to risk and regulatory standards; escalate issues as needed.
• Design, implement, and maintain internal controls to mitigate risk.

Job description

M&T Bank Corporation in Buffalo, NY, is seeking a Data Quantitative Analyst - Credit Risk to monitor and interpret data for the Commercial Loan Portfolio and Credit Risk Rating Framework. The role conducts advanced quantitative analysis, explores data, and develops insights to support risk management and decision-making.

The successful candidate will collaborate with Model Risk Management, prepare risk reporting, and guide junior analysts while adhering to regulatory standards.