Business Banking Credit Risk Analyst Expert – 2nd Line

# Overview:##

Primary Responsibilities:

* Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy.
* Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills.
* Employ working knowledge of Credit Risk databases to provide data and analytical support to Senior Management.
* Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management.
* Track portfolio performance and risk strategy results. Incorporate observations and data to evaluate adherence to risk appetite.
* Provide guidance and direction to lower level analysts regarding all aspects of data analysis and the construction of predictive statistical models.
* 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.
* 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.##

Education and Experience

Required:

Bachelor’s degree,  OR in lieu of degree,  A combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years relevant experience.  
-OR-  Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 5 years relevant experience or in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 5 years relevant experience.
Minimum of 7 years relevant experience  Banking or Financial Services experience  

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.##

Education and Experience Preferred:

Credit Analysis experience.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $ - $ Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.#
** Location
* * Buffalo, New York, United States of America Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk; evaluate the risk of proposed product, process, policy, and model changes; and provide ongoing monitoring of credit metrics. Provide oversight of the quarterly ACL process and capital adequacy planning.  Ensure compliance with internal governance processes and external regulatory requirements;

provide expertise and guidance to first-line partners. Provide oversight and expertise in the model creation, testing and validation. Develop and integrate model strategy to support business initiatives and regulatory compliance.

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**. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers.

We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.
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