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Credit Analyst Jobs in Rochester, NY (NOW HIRING)

Summa

Financial Analyst

Rochester, NY · On-site

$80K - $100K/yr

Financial Analyst (Manufacturing) Location: Rochester, NY Duration: Direct Hire Compensation: 80 ... Manage AR follow-ups, credit memos, and RMA processing * Assist with payroll reconciliations ...

King's Daughters

Financial Analyst

Pavilion, NY

Conduct in-depth analysis of financial trends, identify operational inefficiencies, and develop ... Volunteer work and internships for academic credit are not counted. An equivalent combination of ...

ELS

Senior Financial Reporting Analyst

Rochester, NY · On-site

$102K/yr

The ideal candidate brings deep credit union accounting knowledge, a command of regulatory ... Conduct variance analysis on balance sheet, income statement, and key financial ratios; prepare ...

Genesee Regional Bank

Accounting Analyst

Rochester, NY

$75K - $90K/yr

... credit card program. * Review monthly account reconciliations performed by accounting staff and ... Lead the general ledger closing process each month, including variance analysis and proposing ...

Genesee Regional Bank

Accounting Analyst

Rochester, NY · On-site

$75K - $90K/yr

... credit card program. * Review monthly account reconciliations performed by accounting staff and ... Lead the general ledger closing process each month, including variance analysis and proposing ...

Crosscountrymortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

Conduct preliminary credit analysis and assist with underwriting processes by organizing financial data and supporting risk assessments. * Utilize basic math skills and 10-key typing proficiency to ...

CrossCountry Mortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

Conduct preliminary credit analysis and assist with underwriting processes by organizing financial data and supporting risk assessments. * Utilize basic math skills and 10-key typing proficiency to ...

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Credit Analyst information

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$29

$48

How much do credit analyst jobs pay per hour?

As of Jul 15, 2026, the average hourly pay for credit analyst in Rochester, NY is $29.54, 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.

Will AI replace credit analyst?

AI can automate routine tasks such as data analysis and credit scoring for credit analysts, increasing efficiency. However, the role of a credit analyst also involves judgment, relationship management, and understanding complex financial situations, which are less easily replaced by AI. Therefore, AI is more likely to augment rather than fully replace credit analysts in the near future.

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 are also important; some roles may require relevant certifications such as the CFA or credit-specific training.

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.

What exactly does a credit analyst do?

A credit analyst evaluates the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data. They assess the risk of lending money or extending credit, often using financial modeling and tools like spreadsheets, to help organizations make informed lending decisions. Strong analytical skills and knowledge of credit policies are essential for this role.

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 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.

Are credit analysts paid well?

Credit analysts typically earn competitive salaries that vary based on experience, location, and industry. 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 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.

More about Credit Analyst jobs
What are the most commonly searched types of Credit Analyst jobs in Rochester, NY? The most popular types of Credit Analyst jobs in Rochester, NY are:
What are popular job titles related to Credit Analyst jobs in Rochester, NY? For Credit Analyst jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Credit Analyst jobs in Rochester, NY look for? 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
Investigative Analyst

Investigative Analyst

Department of Justice

Rochester, NY

$52K/yr

Other

Re-posted 12 days ago

Job description

These positions are available throughout various USMS Districts in the Continental US (CONUS).
The selectee of this position serves as an Investigative Analyst. You will be responsible for collecting and analyzing a variety of intelligence data, and processing, tracking and inputting warrants into the National Crime Information Center (NCIC) database.
Duty location will be determined at the time of selection.
Pay will be determined based on duty location.Qualifications:GS-09 TIME IN GRADE REQUIREMENTS: Merit promotion applicants must meet applicable time-in-grade requirements to be considered eligible. One year at the GS-07 grade level is required to meet the time-in-grade requirements for the GS-09 grade level. (Must submit your SF-50 that shows Time-in-Grade eligibility and reflects your title, series, and grade. No award SF-50 will be accepted).
You may qualify at the GS-1805-09 level, if you fulfill one of the following qualifications:
A. One year of specialized experience at or equivalent to the GS-07 level of the Federal Service that included: 1) gathering and analyzing various types of data from Federal, state, local and public agencies; 2) monitoring, evaluating and coordinating a variety of warrants (i.e., for escaped prisoners, parole and probation, bond defaults, etc.); 3) assisting criminal investigators by coordinating investigative efforts; and 4) utilizing a variety of law enforcement related databases to obtain, monitor and update appropriate information for investigations, warrants, prisoner data, etc. (Note: Your resume must CLEARLY demonstrate this experience.)
OR
B. Master's or equivalent graduate degree in an accredited or pre-accredited college or university; or 2 full years of progressively higher level graduate education leading to such a degree; or possession of a LL.B. or J.D degree, if related. Graduate level education must demonstrate the competencies necessary to do the work of the position, examples of qualifying fields include Criminal Justice, Psychology, Homeland Security, etc. (MUST SUBMIT TRANSCRIPTS).
OR
C. Combination of education and experience as listed above. (MUST SUBMIT TRANSCRIPTS).
IN DESCRIBING YOUR EXPERIENCE, PLEASE BE CLEAR AND SPECIFIC. WE CANNOT MAKE ASSUMPTIONS REGARDING YOUR EXPERIENCE.
Experience refers to paid and unpaid experience, including volunteer work done through National Service programs (e.g., Peace Corps, AmeriCorps) and other organizations (e.g., professional; philanthropic; religious; spiritual; community, student, social). Volunteer work helps build critical competencies, knowledge, and skills and can provide valuable training and experience that translates directly to paid employment. You will receive credit for all qualifying experience, including volunteer experienceEducation:ARE YOU USING EDUCATION TO QUALIFY?
Education must be from an accredited school or institution. Please refer to the following website to locate your school and/ or institution https://ope.ed.gov/accreditation/Search.aspx
You MUST provide transcripts or other documentation to support your educational claims. Unless otherwise stated: (1) unofficial transcripts are acceptable, or (2) you may submit a list with all of your courses, grades, semester, year, and credit for the course. All materials must be submitted by the closing date of the announcement.
GRADUATE EDUCATION: One academic year of graduate education is considered to be the number of credits hours that your graduate school has determined to represent one academic year of full-time study. Such study may have been performed on a full-time basis. If you cannot obtain your graduate school's definition of one year of graduate study, 18 semester hours (or 27 quarter hours) should be considered as satisfying the requirements for one year of full-time graduate study.
FOREIGN EDUCATION: If you are using education completed in foreign colleges or universities to meet the
qualification requirements, you must show that the education credentials have been evaluated by a private
organization that specializes in interpretation of foreign education programs and such education has been deemed equivalent to that gained in an accredited U.S. education program; or full credit has been given for the courses at a U.S. accredited college or university. For further information, visit:
http://www.ed.gov/about/offices/list/ous/international/usnei/us/edlite-visitus-forrecog.htmlEmployment Type: OTHER

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