Senior Quantitative Risk Analyst

M&T Bank

Senior Quantitative Risk Analyst performing advanced credit risk data analysis at M&T Bank. Evaluating risks of products and supporting monitoring of credit metrics.

Posted 7/1/2026full-timeRemote • Alabama • 🇺🇸 United StatesSenior💰 $85,800 - $143,000 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Perform advanced credit risk data analysis in support of the consumer deposit overdrafts to identify areas of risk
Evaluate the risk of proposed product, process, policy, and model changes
Provide ongoing monitoring of credit metrics
Forecast overdraft charge-off losses for capital adequacy planning and the annual operating plan
Ensure compliance with internal governance processes and external regulatory requirements
Provide expertise and guidance to first-line partners
Support additional consumer unsecured products as needed
Assist in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy
Demonstrated working knowledge of relevant databases to provide data and credit risk 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
Incorporate observations and data into existing models to improve predictive results
Identify deviations from forecast/expectations and explain variances
Identify risk and/or opportunities
Provide guidance and direction to lower level analysts regarding all aspects of data analysis and the construction of predictive statistical models
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite
Identify risk-related issues needing escalation to management
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.

Requirements

What you’ll need

Bachelor degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, OR in lieu of degree, A combined minimum of 7 years higher education and/or work experience to include a minimum of 3 years relevant experience
Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 1 year relevant experience, OR in lieu of degree, A combined minimum of 7 years higher education and/or work experience to include a minimum of 1 year relevant experience
Minimum of 3 years relevant experience Banking or Financial Services experience
Credit Analysis experience preferred
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

health insurance
retirement plans
forty hours of paid volunteer time each year

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit AnalysisData AnalysisStatistical ModelingForecastingRisk Assessment

Soft Skills

CommunicationCollaborationProblem-Solving