Consumer Unsecured Quantitative Risk Analyst Expert - 2nd Line - M&T Bank : Job Details

Perform advanced credit risk data analysis on the consumer unsecured portfolios (credit cards, unsecured loans, overdraft) 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. Support unit (dept.) in data analysis. Provide oversight and expertise in the model creation, testing and validation. Develop and integrate model strategy to support business initiatives and regulatory compliance.

• 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.

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.

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 $115,703.73 - $192,839.55 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.