Hybrid Credit Model Development Quantitative Analyst II – Small Business and Home Secured

at M&T Bank

• Job title: Credit Model Development Quantitative Analyst II – Small Business and Home Secured
• Job type: Full Time
• Experience level: Junior
• Salary: $71,600 - $119,300 per year
• Degree requirement: Bachelor's Degree
• Tech skills: Python, SQL
• Location requirements: Hybrid, Buffalo, United States

About the role

• Quantitative Analyst supporting the development of credit risk models at M&T Bank. Collaborating with various teams to analyze data and ensure regulatory compliance.

Responsibilities

• Provides analytical and technical support for the development, refinement, and ongoing monitoring of credit risk models used to meet regulatory requirements and support the Bank’s strategic risk management objectives.
• Conduct statistical and econometric analyses using Python, SQL, and related tools to estimate, validate, and refine model components.
• Prepare, clean, and analyze large‑scale loan and customer datasets, ensuring data quality and readiness for modeling.
• Assist with model implementation and ongoing performance monitoring, identifying deviations and contributing to model improvements.
• Develop and maintain clear, comprehensive model documentation and performance monitoring reports.
• Communicate analytical findings through visualizations, presentations, and written summaries.
• Collaborate with Credit Risk Management, Model Risk Management, and business partners to ensure model alignment with regulatory expectations.

Requirements

• Bachelor’s degree and a minimum of one year of proven quantitative behavioral modeling experience, or a combined minimum of five years of higher education and/or work experience, including at least one year of quantitative modeling experience.
• Minimum of one year of on‑the‑job experience using statistical software packages such as SAS, Python, or R.
• Strong Python skills required.
• Model development experience required, including familiarity with logistic and linear regression techniques.
• Minimum of one year of experience working in a data management environment such as SQL Server Management Studio.
• Minimum of one year of experience managing and analyzing large datasets, with the ability to communicate results clearly using written, verbal, and visual formats.

Benefits

• Health insurance
• 401(k) matching
• Paid volunteer time