Credit Model Development Quantitative Analyst II - Small Business and Home Secured (Hybrid - see potential locations in job description)

** Work Location/Arrangement: This is a hybrid position requiring in-office work four (4) days every week at an M&T office in Buffalo, NY, Bridgeport, CT, Wilmington, DE, Baltimore, MD, Washington, DC, or possibly NY, NY. **If the final candidate is not near one of the attached locations, there might be a possibility for a remote arrangement. Overview: Provides analytical and technical support for the development, refinement, and ongoing monitoring of credit risk models used to meet regulatory requirements and support the Banks strategic risk management objectives. This includes models for loss forecasting, default probability estimation, and other creditsensitive behaviors across lending portfolios. Performs data preparation, exploratory data analysis, and model estimation under the guidance of senior modelers, leveraging strong quantitative skills and proficiency in Python, SQL, and statistical methods. Collaborates with Credit Risk Management, Model Risk Management, and business line partners to ensure model methodologies, assumptions, and outputs align with regulatory expectations and the Banks broader credit risk framework. Communicates analytical results through clear narratives, visualizations, and documentation that support model development, validation activities, and ongoing performance monitoring. Primary Responsibilities: Support the development, enhancement, and testing of credit risk models, including probability of default, loss forecasting, risk rating, and other borrowerbehavior models. Conduct statistical and econometric analyses using Python, SQL, and related tools to estimate, validate, and refine model components. Prepare, clean, and analyze largescale loan and customer datasets, ensuring data quality and readiness for modeling. Assist with model implementation and ongoing performance monitoring, identifying deviations and contributing to model improvements. Develop and maintain clear, comprehensive model documentation and performance monitoring reports. Communicate analytical findings through visualizations, presentations, and written summaries. Collaborate with Credit Risk Management, Model Risk Management, and business partners to ensure model alignment with regulatory expectations. Provide analytical support across the Bank and contribute to a collaborative, resultsfocused environment. Scope of Responsibilities: The position serves as a midlevel quantitative analyst responsible for applying statistical programming and analytical techniques to support the development, implementation, and maintenance of credit risk models. The analyst works with complex datasets and contributes to the creation of behavioral and creditsensitive models. The role requires clear communication of findings through narratives, visualizations, and technical explanations. Success requires strong attention to detail, consistent execution, and the ability to manage multiple concurrent initiatives in collaboration with teams across the Bank. The analyst must be able to identify and interpret complex business, data, and statistical issues, contributing to solutions that enhance model performance and support broader risk management objectives. Supervisory/Managerial Responsibilities: Not Applicable Education and Experience Required: Bachelors degree and a minimum of one year of proven quantitative behavioral modeling experience, or a combined minimum of five years of higher education and/or work experience, including at least one year of quantitative modeling experience. Minimum of one year of onthejob experience using statistical software packages such as SAS, Python, or R. Strong Python skills required. Model development experience required, including familiarity with logistic and linear regression techniques. Minimum of one year of experience working in a data management environment such as SQL Server Management Studio. Minimum of one year of experience managing and analyzing large datasets, with the ability to communicate results clearly using written, verbal, and visual formats. Education and Experience Preferred: Masters or Doctorate degree in Statistics, Economics, Finance, or a related quantitative field. Minimum of two years of statistical analysis or programming experience. Credit model development experience, with consumer, home secured, or small business modeling preferred. One or more years of handson Python programming experience. Proficiency in econometric and statistical techniques, including paneldata methods, and logistic regression. Knowledge of model risk management and validation practices, including familiarity with SR 117 guidance. Ability to work independently and collaboratively within a team environment. Demonstrated leadership skills and a strong desire to learn and contribute to team objectives. Physical Requirements: None M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,600.00 - $119,300.00 Annual (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in peoples lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&Ts affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Banks 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 communitiescombining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values integrity, ownership, collaboration, curiosity, and candor drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&Ts Human Capital Report to learn more. Ready to join our team? Submit your application today! 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