Wilmington Trust

Title: Credit Model Development Quantitative Expert Location: Buffalo, NY Washington, DC Baltimore, MD Iselin, NJ Wilmington, DE New York, NY time type Full time Hybrid job requisition id R87678 Job Description: ** Work Arrangement/Location: This is a hybrid position requiring in-office work three days every week. Ideally the position will be based in Buffalo, NY but may be in an M&T office in Buffalo, NY, Baltimore, MD, Bridgeport, CT, Wilmington, DE, Iselin, NJ, Washington, DC, Iselin, NJ, or possibly NY, NY. There is potential for a remote work arrangement, within the United States, if the final candidate is not near one of the above locations OR another M&T corporate office. Overview: Independently develops, implements, maintains, analyzes and manages quantitative/econometric behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning. Serves as Bank-wide or industry expert in key area(s) of quantitative risk management. Provides mentoring, training and guidance to less experienced analysts and may lead/manage teams on a project basis, providing performance feedback to management as appropriate. Primary Responsibilities: - Lead research and development of quantitative behavioral models used for credit risk, interest rate risk and liquidity risk management, as well as balance sheet and capital planning, including but not limited to, loan delinquency, default and loss models, loan prepayment and utilization models, deposit attrition models, and financial instrument valuation methods. - Prepare, manage and analyze large customer loan, deposit or financial data sets for statistical analysis in Structured Query Language (SQL) or similar tool to properly specify and estimate econometric models to understand customer or Bank behavior for the purposes of credit, interest rate, liquidity or stressed capital risk management. Understand context of the Bank’s data and businesses to ensure properly developed models. - Run regressions (including time series and logistic regression), programming routines and other econometric analyses to specify models using appropriate statistical software; communicate results, including graphic and tabular forms, to fellow team members, Treasury management and Bank-wide stakeholders, including the business lines and Risk Management colleagues to demonstrate key risk drivers and dynamics of model output. - Execute models in production environment; communicate analytical results to Bank-wide stakeholders. Track portfolio performance, model performance, campaign tracking and risk strategy results. Incorporate observations and data in to existing models to improve predictive results. - Develop, maintain, and manage satisfactory model documentation, including process narratives and performance monitoring guidelines to serve as reference source. - Lead financial analysis and data support to other groups/departments across the Bank as required, serving as Bank-wide expert in area(s) of quantitative risk management. Lead engagements with colleagues in Model Risk Management for model validation exercises. - Provide guidance and direction to less experienced personnel regarding all aspects of data and financial analysis and the development and management of predictive statistical models. - Conduct business in compliance with regulatory guidance including SR (Supervision and Regulation Letters) 10-1, SR 10-6, SR 11-7, Enhanced Prudential Standards, etc. Adhere to applicable compliance/operational/model risk controls and other second line of defense and regulatory standards, policies and procedures. - Serve as lead in managing Treasury projects and initiatives under guidance and direction of management. Present data, results and/or recommendations to Senior Management as necessary. May lead teams on a project basis, providing performance feedback to management as appropriate. - Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. - Promote an environment that supports belonging and reflects the M&T Bank brand. - Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. - Complete other related duties as assigned. Scope of Responsibilities: The position serves as a quantitative expert in use of statistical programming languages to analyze Bank datasets and development, implementation and maintenance of behavioral models. It is important for the position to communicate with clear narratives, compelling data visualization and technical precision, both in-person and in writing, to enable audiences to understand analysis and forecasts. The position partners and collaborates with colleagues in related functions, including Credit Risk Management, Asset Liability and Liquidity Management, Model Risk Management and business lines to implement and understand models for Bank use. The position often leads team-based projects related to model development or implementation. This role is highly technical in nature and requires demonstrated attention to detail, execution and follow-up on multiple initiatives within Treasury and across the Bank. The ability to identify, analyze, rationalize and communicate complex business, data and statistical problems and recommend corresponding solutions while directing the work of others on the team is a key factor of success in this role. The position may supervise the work of interns and/or lead teams on a project basis, providing performance feedback to management as appropriate. The position also provides guidance and direction to less experienced personnel. Education and Experience Required: - 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 - Credit model development experience - Logistic Regression AND Linear Regression experience required - Minimum of 6 years’ on-the-job experience with pertinent statistical software packages, including Python experience (mandatory) - 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 Education and Experience 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 - Minimum of 8 years’ statistical analysis programming experience - Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) designation - 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 - Strong desire to learn and contribute to a group - Previous experience leading and directing the work of less experienced personnel M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

Role Description Manages administrative, relationship management and planning for one or more assigned section’s product lines or group of staff. Works closely with management and/or Product Leader and others as assigned. - Manage large complex relationships, cultivating present and prospective clients as sources of new business, including travel and client visits. - Meet with clients to ensure quality of service and uncover opportunities for referrals for other banking services. - Manage, coach and mentor Relationship Managers and other assigned staff members, encouraging individual and group development. - Ensure staff is kept aware of and compliant with internal and external policies and procedures. - In conjunction with management, lead development and implementation of process improvements to increase service, processing, profitability and regulatory compliance. - Partner with management and colleagues to maintain all administrative, operational and risk management support for Unit. - Participate in revenue generating efforts as assigned. - Focus on assigned product and business lines, for internal and external relationships, develop and maintain key relationships, directly related to revenue growth. - Collaborate to implement strategic plan. - Represent Unit or Division on Enterprise-wide projects and initiatives. - Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. - Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. - Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. - Identify risk-related issues needing escalation to management. - Promote an environment that supports belonging and reflects the M&T Bank brand. - Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. - Complete other related duties as assigned. Qualifications - Bachelor's degree and a minimum of 5 years’ related experience, or in lieu of a degree, a combined minimum of 9 years’ higher education and/or work experience, including a minimum of 5 years’ related experience. - Minimum of 2 years’ work leadership, supervisory and/or managerial experience. - Strong customer service skills. - Strong verbal and written communication skills. - Problem resolution skills. - Resource management skills. - Strong decision-making skills. Requirements - Certified Corporate Trust Specialist certification (preferred). - Project management skills (preferred). - Analytical skills (preferred). - Demonstrated high level of proficiency in use of pertinent word processing, spreadsheet, presentation and industry-specific software (preferred). Benefits - Competitive and market-informed pay. - Pay range for this position is $116,400.00 - $194,000.00 Annual (USD). - The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. - The range listed corresponds to our national pay range for this role; specific pay range may vary based on location. Location Clanton, Alabama, United States of America

Overview: As part of the Loan Market Solutions Division, the CLO & Loan Administration team provides trustee & custodian services to sophisticated loan asset managers. Wilmington is responsible for tracking and maintaining all daily activity including the collection of payments and investor waterfall distributions. Additionally, the team monitors and reports on various portfolio compliance requirements related to the underlying portfolio asset attributes. Join our dynamic experienced team focused on enhancing overall client experience through technology and continuous process improvement. Candidates who are interested in a fast-paced environment with career advancement opportunities should apply. Primary Responsibilities Continuous reassessment and evaluation of processes is engrained in the team’s DNA. We take a collaborative approach to identifying, assessing, developing, and implementing solutions across the platform. Additionally, we anticipate special projects and initiatives to be a regular occurrence for team members to participate in. You’ll gain experience by: - Supporting the Relationship Manager with oversight of client relationships - Performing daily cash application and position reconciliation - Performing daily and monthly tie-outs of underlying loan characteristics - Liaising with auditors, underwriters, CLO managers, private debt managers, and other parties involved - Assisting with global asset set up and maintenance - Performing trade and wire processing for daily trading activity - Strategize, recommend, and implement innovative ideas for improved daily workflows - Exposure across entire lifecycle of servicing loan clients including account setup, KYC procedures, global asset setup & maintenance, notice processing, warehouse reporting, CLO / Compliance Reporting & waterfall payments - Understanding and adhering to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. - Promoting an environment that supports diversity and reflects the M&T Bank brand. - Maintaining M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. - Completing other related duties as assigned. HOW YOU CAN GROW YOUR CAREER: Our team employs extensive cross-training in order to provide employees with a comprehensive view of all aspects of servicing our clients. This position will provide the opportunity to learn various roles, processes & procedures to meet client expectations. Defining and building individualized career pathing for our staff including leadership, project related, client relationship, operations and analytics roles. Education and Experience Required: Bachelor’s degree and a minimum of 1 year relevant work experience with direct client contact, OR in lieu of a degree, a combined minimum of 4 years’ higher education and/or work experience, including a minimum of 1 years’ relevant work experience with direct client contact Strong focus on customer service and satisfaction Excellent verbal and written communications skills Education and Experience Preferred: Bachelor’s Degree in Finance, Business, Economics or Accounting - Highly Proficient in Microsoft Office, SQL - Exceptional organizational skills with an attention to detail - Excellent interpersonal and analytical skills with a strong balance of qualitative and quantitative skills - Demonstrated ability to work as part of a team, as well as contribute on an individual basis - Familiarity with various loan products – Bi-Lateral ABL Facilities, SMAs, Private Funds, MM & BSL CLOs, Business Development Companies - Professional work experience at CLO Trustee, Loan Agent/Bank, Middle Office Provider or CLO Manager - System / Application experience - Clearpar, Solvas/CDO Suite, SEI, Wall Street Office, LoanIQ At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000+ employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. Competitive compensation Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO 401(k) match at 5% with options for Roth and discretionary employer contributions A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location: Clanton, Alabama, United States of America

Title: Senior Administrative Assistant (Hybrid - Buffalo, NY) Location: Buffalo, NY time type: Full time job requisition id: R84077 Job Description: Provides high-level administrative support to executive management and teams in Corporate Development (M&A) and Investor Relations functions. Administrative support responsibilities include managing complex calendars, travel, communication, handling confidential information, coordinating investor relations related events, and interfacing with other executive offices within the organization as well as external stakeholders and investors. This position is based on a hybrid schedule, requiring regular onsite presence four days per week, with one day allocated for remote work Primary Responsibilities: - Serves as a liaison between manager and bank personnel/executives, responding to questions and issues on departmental matters. - Manages complex calendars, coordinating seamlessly with internal executive offices, external stakeholders including investors, investment bankers and broader investor relations community. - Coordinates meeting schedules, planning, travel and communication for investor relations related events, such as earnings conference call, investor meetings, industry conferences etc. - Assists manager and team in coordinating merger & acquisition related activities with internal and external stakeholders; Handles confidential correspondence and communication. - Schedules appointments and maintains calendar for manager. Assists manager in managing daily meetings and schedules in timely and efficient manner. - Anticipates and plans for evolving needs and leadership commitments; proactively resolve scheduling conflicts and risks. - Performs high level administrative / project assignments, relieving management of many day-to-day operations and ensuring smooth functioning of department. - Manages phone calls and emails. Receive and screen visitors and phone calls. Resolve issues as appropriate or relay messages / notify manager. - Assists Corporate Development and Investor Relations team in scheduling meetings and coordinating travel arrangements. - Assess and prioritize tasks based on urgency, impact, and organizational needs. - Proactively identifies process improvement opportunities and recommend solutions. - Creates non-routine correspondence and communications on behalf of manager; Prepares and arranges business presentations, management letters, and other communications for the team. - Prepares disbursements and billings for approval. Maintains financial expense records. - Provides backup support across the division as needed; Completes other related duties as assigned. - Adheres to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. - Promotes an environment that supports belonging and reflects the M&T Bank brand. - Exercises sound judgment and maintains discretion. - Operates effectively with minimal supervision. Education and Experience Required: - Associate's degree or equivalent in experience - 4 years progressive secretarial/administrative support experience with demonstrated development of skills on-the-job #LI-RS1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $20.55 - $34.25 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Buffalo, New York, United States of America

Overview: As part of the Loan Market Solutions Division, the CLO & Loan Administration team provides trustee & custodian services to sophisticated loan asset managers. Wilmington is responsible for tracking and maintaining all daily activity including the collection of payments and investor waterfall distributions. Additionally, the team monitors and reports on various portfolio compliance requirements related to the underlying portfolio asset attributes. Join our dynamic experienced team focused on enhancing overall client experience through technology and continuous process improvement. Candidates who are interested in a fast-paced environment with career advancement opportunities should apply. Primary Responsibilities: Continuous reassessment and evaluation of processes is engrained in the team’s DNA. We take a collaborative approach to identifying, assessing, developing, and implementing solutions across the platform. Additionally, we anticipate special projects and initiatives to be a regular occurrence for team members to participate in. You’ll gain experience by: - Responsible for acting as single point of contact for key client relationships - Collaborate with operations and analytics teams to meet client objectives and deliverables - Collaborate with Business Development/Sales to secure new client mandates - Ability to interpret CLO indentures, credit agreements and various other structured finance documentation - Responsible for managing client onboarding including account opening process, KYC procedures and documentation review - Ability to calculate and verify compliance testing and waterfall calculations - Perform and interpret hypothetical trade testing - Perform monthly and quarterly reconciliations for required reporting including CLOs, SMAs and Borrowing Base Facilities - Liaise with auditors, underwriters, CLO managers, investors, private debt managers and various other parties involved - Exposure across entire lifecycle of servicing loan clients including account setup, KYC procedures, global asset setup & maintenance, notice processing, warehouse reporting, CLO / Compliance Reporting & waterfall payments - Understanding and adhering to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. - Promoting an environment that supports diversity and reflects the M&T Bank brand. - Maintaining M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. - Completing other related duties as assigned. Education and Experience Required: - Combined minimum of 3 years higher education and/or work experience - independently and collaboratively across the organization. - Advanced Microsoft Office Skills - Strong analytical and problem-solving skills - Excellent written and verbal communication skills for both an internal and external audience - Ability to thrive in an entrepreneurial, fast-paced growth environment Education and Experience Preferred: - Bachelor’s degree focused on Finance, Business, Economics or Accounting and a minimum of 5 with direct client contact years’ relevant work experience - Exceptional organizational skills with an attention to detail - Excellent interpersonal and analytical skills with a strong balance of qualitative and quantitative skills - Demonstrated ability to work as part of a team, as well as contribute on an individual basis - Familiarity with various loan products – Bi-Lateral ABL Facilities, SMAs, Private Funds, MM & BSL CLOs, Business Development Companies - Professional work experience at CLO Trustee, Loan Agent/Bank, Middle Office Provider or CLO Manager - System / Application experience - Clearpar, Solvas/CDO Suite, SEI, Wall Street Office, LoanIQ At M&T Bank, we make a difference in people’s lives. For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report to learn how it feels to be one of our 17,000+ employees. We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. - Competitive compensation - Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance - Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO - 401(k) match at 5% with options for Roth and discretionary employer contributions - A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more - Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts - Position may be based anywhere throughout the U.S. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $80,900.00 - $134,800.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location: Clanton, Alabama, United States of America

This position may be fully remote or based anywhere in the Wilmington Trust | M&T footprint Overview: Negotiates transaction deal documents and facilitates deal closings in a timely manner for mostly mid-tier and could negotiate some large-tier Global Capital Markets (GCM) clients. Primary Responsibilities: Negotiate and close transactions in which Wilmington Trust serves in a Trustee capacity as well as other complementary roles and products. Serve as client-facing centralized deal manager for transactions for internal operational and support groups. Meet with clients and attend some conferences as deemed appropriate Assist Sales with business development initiatives and coordinate deal structures depending on asset type. Serve as internal liaison for all support groups surrounding deal closings. Independently address escalated client issues and ensure they are prioritized appropriately and resolved. May assist in coaching and mentoring less experienced personnel. Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Scope of Responsibilities: This position work mostly independently under limited management supervision. Supervisory/Managerial Responsibilities: None Education and Experience Required: Bachelor’s degree and a minimum of 5 years’ CLO experience, or in lieu of a degree, a combined minimum of 9 years’ higher education and/or work experience, including a minimum of 5 years’ CLO experience Education and Experience Preferred: Master’s degree in Business Administration (MBA) or Juris Doctor (JD) degree GCM deal closing experience Corporate Trust experience Ability to read and interpret legal documents Strong legal background #collateralizedloanobligation #corporatetrust #LI-LA1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,100.00 - $213,500.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Wilmington, Delaware, United States of America