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Credit Analyst Jobs in Rochester, NY (NOW HIRING)

WorldWide Electric Corp

Credit Analyst

Fairport, NY · On-site

$50K/yr

The Credit Analyst is responsible for supporting the credit team responsibilities at WorldWide Electric. The Credit Analyst will work with the accounting team to ensure customer payments are entered ...

WorldWide Electric Corp

Credit Analyst

Fairport, NY · On-site

$50K/yr

The Credit Analyst is responsible for supporting the credit team responsibilities at WorldWide Electric. The Credit Analyst will work with the accounting team to ensure customer payments are entered ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Facilitate the credit needs of customers by analyzing new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending ...

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Credit Analyst information

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$29

$48

How much do credit analyst jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for credit analyst in Rochester, NY is $29.53, according to ZipRecruiter salary data. Most workers in this role earn between $22.79 and $33.22 per hour, depending on experience, location, and employer.

What does a credit analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

What does a credit analyst do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

What are the key skills and qualifications needed to thrive as a credit analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a credit analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

Are credit analysts paid well?

Credit analysts typically earn a competitive salary that varies based on experience, education, and location. According to industry data, the median annual wage for credit analysts is around $70,000, with higher earnings possible for those with advanced certifications or in senior roles. The profession often offers opportunities for bonuses and career advancement.

What qualifications do you need to be a credit analyst?

To become a credit analyst, candidates typically need a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting and risk assessment are also important. Some roles may require relevant certifications such as the Chartered Financial Analyst (CFA) or Credit Risk Certification.
More about Credit Analyst jobs

What are the most commonly searched types of Credit Analyst jobs in Rochester, NY?

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For Credit Analyst jobs in Rochester, NY, the most frequently searched job titles are:

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The top searched job categories for Credit Analyst jobs in Rochester, NY are:

What cities near Rochester, NY are hiring for Credit Analyst jobs?

Cities near Rochester, NY with the most Credit Analyst job openings:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Rochester, NY as of August 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $61,413 per year, or $29.5 per hour.

Credit Analyst

WorldWide Electric Corp

Fairport, NY • On-site

$50K/yr

Full-time

Re-posted 25 days ago

Job description

Overview:The Credit Analyst is responsible for supporting the credit team responsibilities at WorldWide Electric. The Credit Analyst will work with the accounting team to ensure customer payments are entered accurately and timely and that credit requests are handled effectively. This position is located in Rochester, NY Responsibilities:Enter payments on customer accounts (credit card/lockbox/ach)Process credit applications/check trade references and pull necessary Dunn & Bradstreet reports and Experian ReportsValidation of orders on credit holdUpdating customer accounts with valid email addresses, physical addresses, phone etc. as neededCredit memos for nameplate warranties/freight issues/pricingInvoicingAssist customers with copies of invoices/statements/troubleshoot short paid invoicesAssist in making Collection calls on past due/over credit limit customersSkills/Qualifications:A demonstrated ability to administer and coordinate multiple, ongoing tasks, ensuring that they are implemented effectively within targeted timelines and costs. Strong written and verbal communication skills. Ability to call or email vendors in a clear and concise manner.Experience with ERP systems preferred, specifically Epicor/Prophet 21.Excel experience preferredBachelor's Degree in Accounting, Finance, or Business preferred Minimum 1-3 yrs' AR experience requiredEmployees must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. Visa sponsorship is not available for this position. EOE Minorities/Females/Disabled/Protected Veterans Drug-Free/Tobacco-Free Workplace