Credit Model Development Quantitative Expert – Commercial Credit Portfolio

M&T Bank

. Lead research and development for origination, credit, financial, demographic, behavioral, market and economic data pertinent to the Bank’s customers, portfolios and products .

Posted 10/7/2026full-timeUnited StatesMid-LevelSenior💰 $123,600 - $206,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in quantitative behavioral modeling, including credit modeling and statistical techniques, while effectively communicating complex analyses to senior management. Proven ability to lead model development, validation, and risk management processes within a financial institution.

Highest-signal resume keywords

Quantitative Behavioral ModelingStatistical Software (SAS, Python, Stata, R)Data Management (SQL Server Management Studio)Model Risk ManagementLeadership Skills

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

Quantitative Behavioral ModelingStatistical AnalysisCredit ModelingTime-Series AnalysisLogistic RegressionData AnalysisFinancial Instrument ModelingPerformance MonitoringModel DocumentationRisk Management

Soft Skills

Concise CommunicationTeam CollaborationAutonomous WorkMentoring

Industry Keywords

Model ValidationSR-11-7 GuidanceBalance Sheet ManagementEconomic Capital PracticesStress Testing

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Lead research and development for origination, credit, financial, demographic, behavioral, market and economic data pertinent to the Bank’s customers, portfolios and products
Interpret results, develop recommendations, and present findings to senior management
Support end-to-end model development and implementation for behavioral models supporting credit risk management, interest rate risk, liquidity risk, stress testing and economic capital practices
Facilitate the model development effective challenge process with Model Development Working and Oversight Groups
Explain model, scorecard, and forecast benefits, limitations, assumptions, and requirements to internal customers including executive management
Develop and implement strategies for optimal pricing, underwriting, or funding to maximize firm profitability
Develop, maintain, and manage model documentation, process narratives, and performance monitoring guidelines
Lead financial analysis and data support across the Bank as a quantitative risk management expert
Lead engagements with Model Risk Management for model validation exercises
Guide less experienced personnel in data and financial analysis and predictive statistical model development and management
Identify and escalate risk-related issues to management
Maintain internal control standards and implement audit and regulatory findings
Complete other related duties as assigned

Requirements

What you’ll need

Bachelor’s degree and a minimum of 6 years’ proven quantitative behavioral modeling experience, or in lieu of a degree, a combined minimum of 10 years’ higher education and/or work experience, including a minimum of 6 years’ proven quantitative behavioral modeling experience
Minimum of 6 years’ on-the-job experience with pertinent statistical software packages (SAS, Python, Stata, R)
Minimum of 6 years’ on-the-job experience with data management environment, such as SQL Server Management Studio
Minimum of 6 years’ on-the-job experience analyzing large data sets and explaining results of analysis through concise written and verbal communication as well as charts/graphs
Credit modeling experience, including commercial credit score card development
Strong Python skills
Fluency and high proficiency in econometric/statistical techniques, especially time-series analysis, panel data methods and logistic regression
Experience in balance sheet management and mathematical modeling of financial instruments offered by banks
Knowledge and familiarity with key aspects of model risk management and model validation, including SR-11-7 guidance on model risk management
Proven track record for being able to work autonomously and within a team environment
Proven leadership skills
Previous experience leading and directing the work of less experienced personnel