Overview

Responsible for monitoring, evaluating and interpreting data on the Bank’s Commercial Loan portfolio including preparation of trend analysis, exposure limits and various risk identification reports. 

Develop tools allowing for the monitoring of movements in the PD and LGD distributions relative to expectations, identify emerging risks and make recommendations to management.

Leverage risk experience and business knowledge to assist in planning initiatives related to the Bank’s PD and LGD risk rating framework to accomplish enterprise-wide goals around the Commercial Portfolio.

Primary Responsibilities

• Apply M&T Bank Frameworks and Policies around credit risk ratings to the analysis and review of risk rating methodologies.
• Analyze credit risk rating methodologies and scorecards to ensure that Bank rating policies are appropriate, and that they are fit to measure credit risks for the Bank’s portfolio.
• Review the Probability of Default and Loss Given Default Masterscales, as well as scorecard models used to assign credit risk ratings, to ensure that they are properly ranking risk.
• Partner with Commercial Marketing and Business Line Leadership to discuss current portfolio tracking and business observations.
• Provide and/or participate in training to both first- and second-line of defense staff in application of Risk Rating Policy and related guidance
• Conduct portfolio segmentation analysis using origination, financial, demographic, behavioral, market, and economic data as appropriate.
• Obtain data from disparate sources, link information, check data integrity, and perform exploratory analysis.  Develop programs to efficiently explore hypothetical questions.
• Monitor performance of loan portfolio credit quality; communicate issues to management; quantify business ramifications, investigate any incident that may result in losses and compile findings for Management review.
• Leverage industry information and contacts to support analysis through trend comparison.
• Participate in cross-functional teams as SME for enterprise projects such as CCAR, Enterprise Data Warehouse, system implementation, etc.
• Assist with the preparation of Risk Rating Policy training materials and annual updates
• Provide leadership and mentorship to junior staff, fostering a collaborative and high-performing team culture.
• Partner with Credit Data Analytic group to formulate practical database problem solving approaches to business challenges.
• Develop Knowledge around various Banking Regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees.
• Lead special projects as requested by Management.
• Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Promote an environment that supports diversity 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.

Supervisory/ Managerial Responsibilities:

May function as Supervisor for one to two Risk Analyst I or II level employees

Education and Experience Required:

Bachelor’s Degree in Finance or Accounting and a minimum of 7 years of Credit Administration, credit risk, finance, or business analytic experience.
Knowledge of Microsoft Excel, Access, SQL.
Experience with Bank Accounting Systems.
Knowledge of Banking/Lending Regulations.
Comfort interacting with all levels of management and external regulators.
Excellent written and verbal communication skills.
7 years' experience preparing written documentation and/or papers / publications

2 years’ management/supervisory experience. 

Education and Experience Preferred:

MBA preferred.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $100,611.94 - $167,686.57 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