Thomas J. Emmerling, Ph.D

I am a Senior Quantitative Risk Analyst within the Centralized Modeling Group at M&T Bank Corporation. I work in developing Stress Test and Business-as-usual Models for the Commercial Portfolio for M&T.  I completed my PhD in financial mathematics at Boston University.  My areas of interest and expertise are: Asset Pricing, Credit Risk Modeling, Financial Economics, Econometrics, Interest Rate Modeling, and Real Estate.