Credit Review Data Steward Lead

OVERVIEW:

Leads the Credit Review Data and Analytics function with the Credit Review Professional Practices team, serving as the department's expert in portfolio analytics, data architecture, reporting, sampling methodologies, and emerging Artificial Intelligence (AI) capabilities. Owns the analytical framework used to support the portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Acts as the liaison between Credit Review and Enterprise Data, Technology, Risk, and Finance organizations. Uses expert knowledge to ensure that Credit Review data documentation and quality satisfies business needs in collaboration with other domain and product stakeholders. Coordinates efforts spanning multiple domains to maintain and improve data quality through issue identification, management and remediation.

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POSITION RESPONSIBILITIES:

Credit Review Portfolio Analytics

• Develop and maintain the Credit Review team’s review and Reviewable Entity universe.
• Translate commercial and consumer loan portfolio data into Reviewable Entities.
• Create methodologies for portfolio segmentation and risk stratification.
• Develop and maintain portfolio monitoring metrics.
• Support the portfolio Risk Assessment process and review planning.

Data Acquisition & Governance

• Establish repeatable processes for extracting data from M&T platforms.
• Validate data quality and completeness.
• Maintain data lineage documentation.
• Manage relationships with data owners and technology teams.

Statistical Sampling

• Design statistically valid sampling approaches.
• Develop risk-based and judgmental sampling frameworks.
• Optimize sample sizes while maintaining appropriate coverage.
• Support examiner and audit requests regarding sample methodology.

Executive Reporting

Build and oversee dashboards for delinquencies, defaults, charge-offs, Criticized/Classified assets, risk ratings, Watchlist credits, policy exceptions, review testing deviation and Findings, and review plan execution.

Artificial Intelligence Strategy

• Identify AI use cases within Credit Review.
• Evaluate Generative AI and predictive analytic solutions.
• Partner with Model Risk and Technology.
• Develop controls and governance around AI deployment.
• Pilot AI solutions involving credit memo analysis, review planning, sample selection, Findings summarization, risk trend identification, etc.

Complete other related duties as assigned.

NATURE AND SCOPE:

To be completed with job posting

MANAGERIAL/SUPERVISORY RESPONSIBILITY:

Number of Staff: 5-8

MINIMUM QUALIFICATIONS REQUIRED:

• Bachelor’s degree and a minimum of 7 years related experience, or in lieu of a degree, a combined minimum of 11 years higher education and/ or work experience, including a minimum of 7 years related experience
• Minimum of 2 years’ managerial, supervisory, and/or work leadership experience
• Expert ability to pull data from Structured Query Language (SQL) platforms
• Proven ability to close data issues
• Experience owning the business relationship to get complex business requirements and translate those into tech requirements for engineers
• Experience setting the user acceptance test parameters to ensure conformity to business objectives
• Knowledge of data management

IDEAL QUALIFICATIONS PREFERRED:

• Credit Risk Management or Credit Review experience

• In-depth knowledge of and familiarity with data management, analysis, and warehousing products, systems and workflows (Python, Power BI, Alteryx, etc.)
• Experience using Data Governance Tools and with data warehousing concepts
• Experience leading the remediation of complex data issues

• Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools

• Strong understanding of AI, Generative AI, and Machine Learning applications and capabilities
• Excellent prompt engineering skills
• Familiarity with Application Programming Interface (API) integrations

• Portfolio analytics experience

PHYSICAL REQUIREMENTS:

Location

About Us

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.

As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more.

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