Business Banking Credit Risk Analyst, Expert – 2nd Line

M&T Bank

Credit Risk Analyst Expert performing advanced credit risk data analysis for small business portfolio. Evaluating risk and providing oversight for regulatory compliance in Banking sector.

Posted 4/29/2026full-timeRemote • Alabama • 🇺🇸 United StatesSeniorLead💰 $123,600 - $206,000 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

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
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

Requirements

What you’ll need

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
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 in 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.

Benefits

Comp & perks

Medical and retirement benefits
Forty hours of paid volunteer time each year

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit risk analysisdata analysismodel creationmodel testingmodel validationdata manipulationdata analysis using SQLdata analysis using SASdata analysis using Microsoft Excelloss forecasting

Soft Skills

mentoringsupervisingcommunicationcollaborationanalytical acumen