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Credit Manager Jobs in Rochester, NY (NOW HIRING)

Farm Credit East

Business Analyst

Batavia, NY · Hybrid

$55K - $90K/yr

... Credit East. Hybrid work options are determined based on job role and balancing the needs of the customers, the team, and individual work performance. This will be reviewed based on manager ...

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All JobsCredit JobsCredit Manager JobsCredit Manager Jobs in Rochester, NY

Credit Manager information

See Rochester, NY salary details

$25.2K

$66.8K

$127.3K

How much do credit manager jobs pay per year?

As of Jul 18, 2026, the average yearly pay for credit manager in Rochester, NY is $66,756.00, according to ZipRecruiter salary data. Most workers in this role earn between $35,500.00 and $91,300.00 per year, depending on experience, location, and employer.

What are some typical challenges Credit Managers face when assessing credit risk, and how can these be addressed?

Credit Managers often face the challenge of gathering sufficient and reliable financial data to accurately assess the creditworthiness of clients, especially with new or small businesses. Balancing the need for thorough risk analysis with maintaining positive customer relationships is also crucial. To address these challenges, Credit Managers use robust credit scoring systems, maintain clear communication with clients, and stay updated on industry trends to refine their risk assessment strategies. Collaboration with sales and finance teams is essential to align credit policies with organizational goals while minimizing exposure to bad debt.

What are the 5 C's of credit management?

The 5 C's of credit management are Character, Capacity, Capital, Collateral, and Conditions. These criteria help credit managers assess a borrower's creditworthiness and determine the risk of extending credit. Understanding and evaluating these factors is essential for effective credit risk management and decision-making.

What Does a Credit Manager Do?

A credit manager works in the banking industry or for a lending organization. Their job responsibilities include underwriting or evaluating requests for credit using credit scores, projected profits and losses, and risk factors. People in credit management are responsible for accepting or rejecting loan applications based on these criteria and have the authority to oversee the company’s lending process. The job duties of a credit manager also include creating models to assess creditworthiness, as their ultimate goal is to reduce loss and increase profits from lending. Alternatively, a credit manager can work for a seller, typically a business-to-business or B2B organization, granting trade credit to buyers. Credit managers are responsible for creating models or criteria to assess the creditworthiness of buyers, creating discount or incentive programs for early payment, and managing the credit department of the company. They may also be responsible for credit accounting and collections. Career qualifications include a bachelor’s degree in accounting, business, or a related field.

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

To thrive as a Credit Manager, you need expertise in financial analysis, credit risk assessment, and a solid understanding of accounting principles, often supported by a degree in finance or a related field. Familiarity with credit management software, ERP systems, and relevant certifications such as Certified Credit Professional (CCP) are commonly required. Strong negotiation, decision-making, and communication skills help build trust with clients and effectively manage credit policies. These skills ensure the organization minimizes financial risk while maintaining healthy customer relationships and cash flow.

What is the difference between Credit Manager vs Credit Analyst?

AspectCredit ManagerCredit Analyst
CredentialsBachelor's degree; often certifications like CAM, CCRABachelor's degree; often certifications like CAM, CCRA
Work EnvironmentOversees credit policies, manages teams, interacts with senior managementAnalyzes credit data, assesses risk, prepares reports
Employer & IndustryFinancial institutions, corporations, credit agenciesFinancial institutions, credit bureaus, lending companies

The Credit Manager focuses on overseeing credit policies, managing credit teams, and making high-level credit decisions. In contrast, the Credit Analyst primarily analyzes credit data, assesses risk, and prepares reports to support credit decisions. Both roles require similar credentials and often work within the same industries, but their responsibilities differ in scope and focus.

Is credit management a good career?

Credit management is a stable career that involves assessing creditworthiness, managing credit risk, and maintaining customer relationships. It often requires strong analytical skills, attention to detail, and knowledge of financial regulations, with opportunities for advancement into senior finance roles.

What is the highest paying credit manager job?

The highest paying credit manager roles are typically senior or executive-level positions such as Credit Director or Chief Credit Officer, often found in large corporations or financial institutions. These roles require extensive experience, advanced financial skills, and sometimes certifications like CFA or CPA, and they can offer salaries exceeding $150,000 annually depending on the industry and location.

What is the work of a credit manager?

A credit manager oversees a company's credit policies, evaluates the creditworthiness of clients, and approves or denies credit applications. They analyze financial data, manage credit risk, and ensure timely collection of payments, often using credit management software. Strong analytical skills and knowledge of financial regulations are essential for this role.

What does a Credit Manager do?

A Credit Manager is responsible for overseeing a company's credit policies, assessing the creditworthiness of potential customers, and managing the process of granting credit and collecting payments. They analyze financial data, set credit limits, and help minimize financial risk to the organization. Credit Managers also work closely with sales and accounting teams to ensure that credit terms are followed and that outstanding debts are collected efficiently.
More about Credit Manager jobs
What are the most commonly searched types of Credit jobs in Rochester, NY? The most popular types of Credit jobs in Rochester, NY are:
What are popular job titles related to Credit Manager jobs in Rochester, NY? For Credit Manager jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Credit Manager jobs in Rochester, NY look for? The top searched job categories for Credit Manager jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Credit Manager jobs? Cities near Rochester, NY with the most Credit Manager job openings:
Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Rochester, NY as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 93% In-person, 2% Hybrid, and 5% Remote job distribution, with an average salary of $66,756 per year, or $32.1 per hour.
Senior Credit Analyst

Senior Credit Analyst

Tompkins Community Bank

Batavia, NY • On-site

$34/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 8 days ago

Tompkins Community Bank rating

8.4

Company rating: 8.4 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

34th of 149 rated banks

Job description

Overview
Responsible for providing credit and financial analysis support to the commercial lending function as well as the credit administration function. The position will require active participation in new credit requests, loan reviews and credit discussions with stakeholders. The ideal candidate will be responsive to loan officers and other loan staff throughout due diligence, approval process, and continued portfolio monitoring.
Responsibilities
  • Develop credit and financial analysis support to the commercial lending function and credit administration as follows:
    • Determine what financial documents and information are needed for a complete understanding of requests.
    • Review and analyze financial statements and personal/corporate tax returns.
    • Research debt and deposit relationships from all internal bank systems.
    • Spread financials to generate common sized reports, financial ratios and trend reports.
    • Prepare in-depth cash flow analysis of companies and individuals.
    • Analyze collateral value through use of receivables aging, real estate appraisals, etc.
    • Identify strengths and weakness of credit analyzed.
    • Recommend or assign and substantiate appropriate risk rating to each credit.
    • Prepare and present an accurate summary analysis, recommend loan structure, and summarize borrower's creditworthiness.
    • Review collateral and supporting documents for completeness and accuracy.
  • Become familiar with characteristics of various industries and business structures and sustain continual research.
  • Understand and evaluate residential and commercial real estate appraisals, including use of a fair capitalization rate.
  • Become familiar with commercial loan policy manual, apply policies and report policy exceptions.
  • Become familiar with the Uniform Commercial Code and other loan documentation related to lien perfection and protection of Company's collateral.
  • Review credit memos to review credit migration and to track and monitor exceptions to bank policy manual.
  • Provide analytical support to various departments throughout the Company, as needed.
  • Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company's adherence to outside regulatory requirements.
  • Respect highly sensitive nature of position and treats all information in a confidential manner

Qualifications
  • Bachelor's Degree in Business, Accounting, Finance, or other related field.
  • Minimum of two (2) years' banking or related field experience.
  • Excellent verbal and written communication.
  • Working knowledge of computer systems, including Microsoft Excel, Microsoft Word and Abrigo software.
  • Current knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower's ability to service debt obligations.
  • Excellent organizational skills with the ability to work independently and prioritize.

Benefits
  • Medical
  • Dental
  • Vision
  • 401(k) Match
  • Profit Sharing
  • Paid Time Off
  • 11 Holidays
  • Tuition Reimbursement
  • Free Parking throughout Tompkins Community Bank
  • Employee Referrals

EEO Statement
Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.
For more information, please click here.
#communitybank
Pay Range
USD $34.00 - USD $40.00 /Hr.

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