Business Banking Credit Risk Analyst Expert – 2nd Line

M&T Bank•Buffalo, NY

About The Position

Overview: 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. 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.

Requirements

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

Nice To Haves

Credit Analysis experience

Responsibilities

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
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
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