Credit Model Development Quantitative Analyst II

M&T Bank

. Assist in researching and developing quantitative behavioral models for credit risk, interest rate risk, liquidity risk, balance sheet and capital planning .

Posted 10/14/2026full-timeUnited StatesJunior💰 $87,200 - $145,400 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in quantitative behavioral modeling, statistical analysis, and data management, with proficiency in tools such as SQL and statistical software. Capable of effectively communicating complex analytical results and collaborating with various stakeholders while adhering to regulatory standards.

Highest-signal resume keywords

Quantitative Behavioral ModelingStatistical Software ProficiencyData Management EnvironmentFinancial Risk ManagementModel Validation Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Quantitative Behavioral ModelingStatistical AnalysisTime-Series AnalysisLogistic RegressionEconometric TechniquesData AnalysisFinancial AnalysisModel DocumentationPerformance MonitoringRisk Strategy Analysis

Soft Skills

Communication SkillsLeadership SkillsTeam CollaborationAutonomous Work

Tools & Technologies

SQL Server Management StudioSASPythonStataR

Certifications & Qualifications

Financial Risk Manager (FRM)Chartered Financial Analyst (CFA)

Industry Keywords

Credit RiskLiquidity RiskBalance Sheet ManagementModel Risk ManagementRegulatory Compliance

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Assist in researching and developing quantitative behavioral models for credit risk, interest rate risk, liquidity risk, balance sheet and capital planning
Prepare, manage and analyze large customer loan, deposit and financial data sets using SQL or similar tools
Run time-series and logistic regressions, programming routines and econometric analyses using statistical software
Communicate analytical results in graphic and tabular formats to Treasury management, business lines, Risk Management and other stakeholders
Execute models in production environments
Track portfolio performance, model performance, campaign tracking and risk strategy results
Improve predictive results by incorporating observations and data into existing models
Identify deviations from forecasts, explain variances, and identify risks and opportunities
Develop and maintain model documentation, process narratives and performance monitoring guidelines
Provide financial analysis and data support across the Bank
Support Model Risk Management colleagues during model validation exercises
Guide less experienced personnel on data and financial analysis and predictive statistical model development and management
Comply with regulatory guidance, risk controls, policies and procedures
Maintain internal control standards and address audit and regulatory issues
Collaborate with Credit Risk Management, Asset Liability and Liquidity Management, Model Risk Management and business lines

Requirements

What you’ll need

Bachelor’s degree and a minimum of 1 years’ proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including a minimum of 1 years’ proven quantitative behavior modeling experience
Minimum of 1 years’ on-the-job experience with pertinent statistical software packages (SAS, Python, Stata, R)
Minimum of 1 years’ on-the-job experience with a data management environment, such as SQL Server Management Studio
Minimum of 1 years’ experience in managing and analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs
Preferred: Masters’ of Science or Doctorate degree in Statistics, Economics, Finance or related field, with coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management
Preferred: Minimum of 2 years’ statistical analysis programming experience
Preferred: Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) designation
Preferred: Fluency and high proficiency in econometric/statistical techniques, especially time-series analysis, panel data methods and logistic regression
Preferred: Experience in balance sheet management and mathematical modeling of financial instruments offered by banks
Preferred: Knowledge and familiarity with model risk management and model validation, including SR-11-7 guidance
Proven ability to work autonomously and within a team environment
Demonstrated leadership skills
Strong desire to learn and contribute to a group