Credit Risk Analyst I (Hybrid- See Job Description for Listed Locations)

*** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week and will be based at M&T Center, Buffalo, NY, Bridgeport, CT, NYC, NY, Rochester, NY, Boston, MA, NJ, Wilmington, DE, or Baltimore, MD. Overview: Perform advanced data and statistical analysis in support of monitoring, evaluating, and interpreting the Bank's Commercial Loan portfolio, including preparation of trend analysis and various risk identification reports. Develop tools, potentially statistical and/or model-based, to monitor movements in the portfolio, identify emerging risks and make recommendations to management. Leverage risk experience, debt capital markets knowledge and understanding of links between bank performance and macroeconomic environment to plan initiatives to accomplish enterprise-wide goals around the Commercial Portfolio. Primary Responsibilities: Assist in establishing, monitoring, evaluating, and interpreting data with a risk management focus and an understanding of business strategy. Demonstrate working knowledge of Credit Risk databases to provide data and analytical support to Senior Management. Perform data manipulation and analysis of financial, demographic, behavioral, market and economic data as appropriate using Microsoft Office Products (Excel, Power BI) and/or Tableau and present results and recommendations to Credit Risk Management. Monitor performance of loan portfolio credit quality; communicate issues to management; quantify business ramifications; investigate incidents that may result in losses and compile findings for management review. Demonstrate working knowledge of credit risk metrics including Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD). Track portfolio performance and risk strategy results. Incorporate observations and data in existing models to improve predictive results. Identify deviations from forecast/expectations and explain variances in complex situations. Identify risk and/or opportunities. Develop and enhance financial analysis and data support tools that will be used both in and outside the Credit Division. Leverage market intelligence, including macroeconomic data, capital and equity market trends and other industry information to supplement portfolio analysis and to identify market trends that could be detrimental to the portfolio. Assist with special projects as requested by management. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. 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. Scope of Responsibilities: This role is highly technical in nature and requires demonstrated attention to detail, execution, and follow up on multiple initiatives within the Credit Division. The ability to identify, analyze, rationalize, and communicate business problems and recommend solutions (especially via written reports), and to work independently are key factors of success in this role. Education and Experience Required: Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Quantitative Analysis, or another technical discipline with minimum of 2 years relevant experience or in lieu of degree, a combined minimum of 6 years higher education and/or work experience to include a minimum of 2 years relevant experience. -OR- Master’s degree in Finance, Economics, Mathematics, Statistics, Quantitative Analysis, or another technical discipline. Education and Experience Preferred: Banking or Financial Services experience; Previous Financial Analysis experience preferred. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 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 Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s 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 communities—combining the capabilities of a large bank with the care of a locally focused institution. As an emp