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

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Demonstrates expertise in quantitative behavioral modeling, statistical analysis, and financial risk management, with a strong ability to communicate complex findings effectively to senior management. Proficient in leading model development projects and adhering to regulatory standards while guiding less experienced personnel.

Highest-signal resume keywords

Quantitative Behavioral ModelingStatistical Software Packages (SAS, Python, Stata, R)Data Management (SQL Server Management Studio)Financial Risk Management (FRM, CFA)Model Risk Management and Validation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Quantitative Behavioral ModelingStatistical AnalysisData AnalysisFinancial AnalysisModel DevelopmentPerformance MonitoringCredit ModelingTime-Series AnalysisLogistic RegressionPanel Data Methods

Soft Skills

LeadershipCommunicationTeam CollaborationAutonomyMentoring

Tools & Technologies

SASPythonStataRSQL Server Management Studio

Certifications & Qualifications

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

Industry Keywords

Credit Risk ManagementModel ValidationRisk AppetiteRegulatory StandardsEconomic Capital Practices

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 Model Development 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
Adhere to risk and regulatory standards, policies, controls, and the Company’s Risk Appetite; escalate risk-related issues
Maintain internal control standards and implement audit and regulator findings
Collaborate with Credit Risk Management, Commercial and Consumer Business Units, Model Risk Management, Credit Review, and Audit
Lead team-based model development or implementation projects; provide performance feedback to management
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
Preferred: Masters’ of Science or Doctorate degree in statistics, economics, finance or related field in the quantitative social, physical or engineering sciences, with proven coursework proficiency in statistics, econometrics, economics, computer science, finance or risk management
Preferred: Minimum of 8 years’ statistical analysis programming experience
Preferred: Strong Python skills
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 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
Strong desire to learn and contribute to a group
Previous experience leading and directing the work of less experienced personnel