M&T Bank · 3 hours ago
Commercial Scorecard Risk Analytics Manager
United States
Full-time
Remote
Senior Level
$108K/yr - $179K/yr
7+ years expM&T Bank is a financial institution seeking a Commercial Scorecard Risk Analytics Manager to oversee the design and implementation of credit risk models. The role involves ensuring compliance with regulations, managing model performance, and collaborating with various stakeholders to enhance risk assessment processes.
Financial Services
Responsibilities
Development and Maintenance of the framework for Commercial PD and LGD credit risk models for the institution
Development and Maintenance of assigned Commercial Loss Forecasting and Stress Testing models for the institution
Ensure compliance of models to all regulations. Monitor and report on performance of all models
Determine when redevelopment or recalibration is needed. Conduct internal validation and back testing of all models
Partner with Centralized Technology to ensued that Rating models are fully integrated into the appropriate platform which allows seamless delivery to the end user while providing for a stable and robust data capture process
Partner with MROC to communicate all models, ensure independent validation is scheduled, present models to committee, communicate to business lines, legal, compliance, risk committee, and all interested parties
Interface with a wide range of internal customers, including executive management, to explain the benefits, limitations, assumptions and requirements for proposed credit risk models, and scorecards, solutions and strategies to implement these models as applicable
Manage the output of Quantitative Analysts and Modelers and track the development of their statistical modeling acumen in areas such as segmentation analysis, logistic regression, decision trees and multivariate analysis
Develop and maintain a regimen of training to all users of the Rating scorecards to ensure that accurate and appropriate ratings are assigned. Consult with internal businesses with the ongoing management and validation of their scores and score-based strategies. Display organizational subject matter expertise on Rating scorecard deployment
Specify and model the relationship between appropriate macroeconomic factors and credit risk outcomes such as losses and delinquencies. Develop strategies and techniques for modeling commercial credit risk in areas new to the organization. Analyze and present findings to Senior Management
Define, develop and deploy best credit risk practices and infrastructure bank wide. Execute ad hoc analysis or projects assigned by the Credit Risk Manager. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
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
Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations
Qualification
Required
Bachelor's degree and a minimum of 7 years' relevant work experience, or in lieu of a degree, a combined minimum of 11 years' higher education and/or work experience, including a minimum of 7 years' relevant work experience
Preferred
Quantitative skills including strong analytical, financial, statistical and model development skills
Knowledge of Commercial Loan analysis techniques
Excellent Verbal and written communication, cross functional collaboration and management skills
Ability to communicate complicated statistical concepts to a broad audience in a non-technical manner
PhD in Mathematics, Statistics, Quantitative Analysis or another technical discipline is a plus
Company
M&T Bank
Great companies have an enduring sense of purpose.
10001+ employees
H1B Sponsorship
M&T Bank has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
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Trends of Total Sponsorships
2025 (116)
2024 (113)
2023 (84)
2022 (103)
2021 (42)
Funding
Current Stage
Late StageLeadership Team
René Jones
Chairman & Chief Executive Officer
Dan Saper
•Co-Founder/Co-Chairman of Welcome to M&T Bank Affinity Group, Western New York Chapter
Recent News
2025-10-07
2025-10-06
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