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Credit Analyst Jobs in Rochester, NY (NOW HIRING)

Kinecta Federal Credit Union

Teller

Henrietta, NY · On-site

$15.25 - $19.25/hr

Kinecta Federal Credit Union is one of the nation's leading Credit Unions. We recently expanded our ... Ability to analyze members' financial needs and provide related information and/or data to ...

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 ...

Fortitude Mining, LLC

Accounts Payable Analyst

Fairport, NY · On-site

$21.25 - $28.50/hr

Maintain current vendor documentation, including W-9s, and complete vendor credit applications as ... Analyze accounts payable and payment activity to identify trends and exceptions, and advise ...

Fortitude Mining, LLC

Accounts Payable Analyst

Fairport, NY · On-site

$21.25 - $28.50/hr

Maintain current vendor documentation, including W-9s, and complete vendor credit applications as ... Analyze accounts payable and payment activity to identify trends and exceptions, and advise ...

Fortitude Mining, LLC

Accounts Payable Analyst

Rochester, NY · On-site

$22.25 - $29.50/hr

Maintain current vendor documentation, including W-9s, and complete vendor credit applications as ... Analyze accounts payable and payment activity to identify trends and exceptions, and advise ...

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Credit Analyst information

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$48

How much do credit analyst jobs pay per hour?

As of Sep 2, 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?

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
Infographic showing various Credit Analyst job openings in Rochester, NY as of August 2026, with employment types broken down into 100% Full Time. Highlights an 90% In-person, and 10% Hybrid job distribution, with an average salary of $61,413 per year, or $29.5 per hour.

Management and Program Analyst

US Department of the Treasury

Rochester, NY

$89K/yr

Full-time

Posted 15 days ago

U.S. Department Of The Treasury rating

8.2

Company rating: 8.2 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

311th of 854 rated public administrative organizations

Job description

WHAT IS LARGE BUSINESS & INTERNATIONAL?

A description of the business units can be found at: https://www.jobs.irs.gov/about/who/business-divisions
  • Position to be filled in following area:
    • LBI - Director Withholding Exchange/International Individual Compliance - Withholding Exchange and International Individual Compliance (WEIIC), Foreign Payments Practice (FPP), Withholding and Credits

REVIEW THE ADDITIONAL INFORMATION BELOW FOR FURTHER DETAILSQualifications:

Federal experience is not required. Experience may have been gained in the public sector, private sector or through Volunteer Service. One year of experience refers to full-time work; part-timework is considered on a prorated basis. To ensure full credit for your work experience, please indicate dates of employment by month/day/year, and indicate number of hours worked per week, on your resume.
You must meet the following requirements by the closing date of this announcement.
QUALIFICATION REQUIRMENTS: To qualify for this position, you must meet the qualification requirements outlined below:
SPECIALIZED EXPERIENCE GS-12: To be eligible for this position, you must have one (1) year of specialized experience at a level of difficulty and responsibility equivalent to the GS-11 grade level in the Federal service.
Specialized experience includes:
Experience applying evaluative and analytical methods to measure program or project accomplishments, assess progress against established goals, and revise methods or develop information-gathering approaches.
Experience applying project management techniques to plan, schedule, conduct, and monitor projects involving organizational missions, work processes, and administrative operations.
Experience analyzing operational information to identify problem areas, trends, deficiencies, and other factors affecting program or project results.
Experience applying budgeting methods and techniques to prepare resource analyses and cost estimates related to project or program requirements.
Experience presenting analytical findings and recommendations and negotiating solutions to identified operational or project issues.
AND
You must also meet the following requirement(s):

  • TIME AFTER COMPETITIVE APPOINTMENT (TACA): By the closing date (or if this is an open continuous announcement, by the cut-off date) specified in this job announcement, current civilian employees must have completed at least 90 days of federal civilian service since their latest non-temporary appointment from a competitive referral certificate, known as time after competitive appointment. For this requirement, a competitive appointment is one where you applied to and were appointed from an announcement open to "All US Citizens"
  • TIME IN GRADE (TIG): For positions above the GS-05,applicants must meet applicable time-in-grade requirements to be considered eligible. One year (52 weeks) at the next lower grade level is required to meet the time-in-grade requirements for the grade you are applying for. For positions at the GS-05, you cannot advance to the GS-05 if you have held a GS-02 in the past 52 weeks. There is no TIG restriction for GS-02, 03 or 04 positions.


For more information on qualifications please refer to OPM's Qualifications Standards.

Education:A college or university degree generally must be from an accredited (or pre-accredited) college or university recognized by the U.S. Department of Education. For a list of schools which meet these criteria, please refer to Department of Education Accreditation page.
FOREIGN EDUCATION: Education completed in foreign colleges or universities may be used to meet the requirements. You must show proof the education credentials have been deemed to be at least equivalent to that gained in conventional U.S. education program. It is your responsibility to provide such evidence when applying. Click here (Section 3, Explanation of Terms) or here for Foreign Education Credentialing instructions.
We recommend choosing an evaluator from a member organization of one of the following national associations of credential evaluation services: National Association of Credential Evaluation Services (NACES) or Association of International Credentials Evaluators (AICE).Employment Type: OTHER

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