Joseph Nowariak

Joseph Nowariak

Strategic Initiatives Expert - Credit Model Development (SVP) @M&T Bank

Washington, DC, US
EMAILS
j••••••••@mtb.com
MOBILE NUMBERS
+15•••••••11

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WORK HISTORY

Sep 2025 — Present

Strategic Initiatives Expert - Credit Model Development (SVP) @M&T Bank

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EDUCATION

2012 — 2014

Minnesota State University, Mankato

Master of Arts, Secondary Education and Teaching

2015 — 2016

University of Wisconsin-Whitewater

Master of Science (M.S.), Applied Economics

2007 — 2011

Gustavus Adolphus College

Bachelor of Arts, History

SKILLS

SasCoachingData AnalysisCommunity OutreachTeachingCurriculum DesignCritical ThinkingPublic SpeakingTutoringMicrosoft OfficeMatlabResearchEconomic ForecastingSpssStatistical ModelingVolunteer ManagementLatexClassroomStata

ABOUT JOSEPH NOWARIAK

Mr. Nowariak is a subject matter expert with 9 years of experience in credit risk management, validation, modeling, and predictive analytics for large asset portfolios valued at upwards of $100 billion. He is experienced developing, maintaining, and validating Probability of Default/Loss Given Default (PD/LGD) models, AI/ML risk models, and producing justifiable and explainable Allowance for Credit Losses (ACL) estimates for financial statements. He manages delivery to stakeholders through effective leadership to deliver on time and on budget.I am excited to connect with you!P.S. ask me about my recent travels highlighted in my banner!

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Joseph Nowariak — Email, Phone Number & Contact Info | Unifers