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Credit Manager Jobs in Rome, NY (NOW HIRING)

Irr Supply Centers, Inc.

Location Manager

Liverpool, NY · On-site

$65K - $85K/yr

Meet regularly with the Credit Manager to review customer accounts and address collection or credit concerns. * Support company credit policies and collection efforts. 4. Customer Experience ...

Staffworks CNY

Accounting Specialist

Mohawk, NY

$14.50 - $16.50/hr

Monday through Friday 8:00 a.m. - 5:00 p.m. with 1 hour lunch The Accounting Specialist will report to the Accounting & Credit Manager The Accounting Specialist will be responsible for: - Handling ...

NBT Bank

Credit Analyst III

Utica, NY · On-site

$71K - $95K/yr

Joins credit officers and commercial banking officers on client and prospect calls in multiple ... Strong organizational, time management and prioritization skills with attention to detail

AmeriCU Credit Union

Member Solutions Advocate

Rome, NY · On-site

$22.15 - $31.38/hr

... the credit union. All work is subject to review and/or audit on a no-notice basis by the Supervisor, Management, Senior Management and/or Internal/External Auditors. What You'll Do: As a Member ...

Americu Credit Union

Member Solutions Advocate

Rome, NY · On-site

$22.15 - $31.38/hr

... the credit union. All work is subject to review and/or audit on a no-notice basis by the Supervisor, Management, Senior Management and/or Internal/External Auditors. What You'll Do: As a Member ...

AmeriCU Credit Union

Member Solutions Advocate

Rome, NY · Remote

$22.15 - $31.38/hr

... the credit union. All work is subject to review and/or audit on a no-notice basis by the Supervisor, Management, Senior Management and/or Internal/External Auditors. What You'll Do: As a Member ...

AmeriCU Credit Union

Outbound Sales Representative

Rome, NY · On-site +1

$22.15 - $27.69/hr

Accurately document member interactions and follow-up activities in the credit union's CRM system. Compliance amp; Operational Excellence * Maintain knowledge of credit union products, services ...

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Credit Manager information

See Rome, NY salary details

$24.1K

$64.1K

$122.1K

How much do credit manager jobs pay per year?

As of Sep 15, 2026, the average yearly pay for credit manager in Rome, NY is $64,059.00, according to ZipRecruiter salary data. Most workers in this role earn between $34,100.00 and $87,600.00 per year, depending on experience, location, and employer.

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 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.

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 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 ensuring timely collections. It often requires strong analytical skills, knowledge of financial regulations, and proficiency with credit management software. The role can offer advancement opportunities and a steady income in various industries such as banking, finance, and retail.

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.
More about Credit Manager jobs

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

The most popular types of Credit jobs in Rome, NY are:

What cities near Rome, NY are hiring for Credit Manager jobs?

Cities near Rome, NY with the most Credit Manager job openings:

Credit Manager jobs near you
Infographic showing various Credit Manager job openings in Rome, NY as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 14% Part Time, 1% Contract, and 1% Nights. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $64,059 per year, or $30.8 per hour.

Director Credit Risk Review

Syracuse, NY • On-site

Community Financial System, Inc.
Finance and Insurance • 1 - 5K employees
Learn more about Community Financial System, Inc.external

$106K - $196K/yr

Full-time

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Overview

At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.

Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day.

To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.


Responsibilities

The Director of Credit Risk Review is responsible for leading the independent credit review function for a mid-sized, regional bank with diversified commercial and retail lending portfolios. This role ensures the integrity of the Bank’s credit risk management framework by independently evaluating asset quality, underwriting practices, risk ratings, and adherence to internal policies and regulatory expectations. The Director will provide objective assessments to senior management and the Board of Directors’ Risk Committee, identifying emerging risks, portfolio trends, and opportunities to strengthen credit risk governance.

Leadership & Governance
Lead and manage the Credit Risk Review (CRR) function as an independent second/third line of defense aligned with regulatory expectations (e.g., SR 13 3 / OCC guidance).
Develop and execute a risk-based credit review plan covering commercial, CRE, C&I, consumer, and residential portfolios.
Report regularly to executive management and the Board Risk Committee on credit quality, risk rating accuracy, and emerging risks.
Ensure independence from the credit approval and portfolio management functions.

Credit Portfolio Oversight
Assess the quality of credit exposures across:
Commercial Real Estate (CRE)
Commercial & Industrial (C&I)
Small Business / SBA
Retail portfolios (mortgage, home equity, auto, unsecured)
Evaluate portfolio trends, concentrations, and risk appetite alignment.
Identify and escalate systemic weaknesses in underwriting, structure, or policy adherence.

Loan Review & Risk Rating Validation
Oversee periodic loan reviews to validate:
Risk ratings / internal credit grading accuracy
Borrower financial performance and repayment capacity
Collateral valuation and monitoring
MIS for commercial and retail lending asset quality and underwriting trends
Ensure timely identification of criticized/classified assets.
Perform root-cause analysis on credit issues and losses.

Policy & Regulatory Compliance

Ensure compliance with:
Interagency Guidelines Establishing Standards for Safety and Soundness
OCC/FRB guidance on credit risk review and asset quality
CECL-related credit quality inputs (as applicable)
Evaluate effectiveness of credit policies, underwriting standards, and risk management practices.
Support regulatory examinations and internal audit coordination.

Data Analysis & Reporting
Develop robust reporting on:
Risk rating accuracy and migration trends
Criticized and classified asset levels
Portfolio stress indicators and early warning signals
Leverage analytics to enhance risk identification and monitoring.
Provide actionable insights, not just findings.

Issue Management & Continuous Improvement
Track and validate remediation of identified findings.
Recommend enhancements to underwriting, monitoring, and credit risk governance.
Promote best practices across commercial and retail lending teams.

Team Leadership & Development
Lead, mentor, and develop a team of credit review professionals.
Set performance expectations and ensure high-quality, consistent reviews.
Foster a culture of independence, accountability, and constructive challenge.

Ancillary Duties:
As an integral member of CFSI, this position is responsible to provide assistance wherever necessary to help the Company in achieving our goals.


Qualifications

Education/Training:
Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA or CFA preferred).
12+ years of progressive credit risk experience, including: 
 Commercial and/or retail credit underwriting
 Credit risk management or loan review
 5+ years in a senior leadership or management role.
 
Skills:  
Technical Expertise
Deep knowledge of: 
 Commercial lending (CRE, C&I) structures and risk drivers
 Retail credit risk (mortgage, consumer lending)
 Credit risk rating systems and criticized/classified asset frameworks
 Commercial credit scoring models, such as Moody’s RiskCalc
 Retail credit underwriting models and scorecards
Strong understanding of regulatory expectations for credit review functions.
Experience with portfolio analytics, stress testing, and CECL preferred.
 
Leadership & Communication
Demonstrated ability to interact effectively with executive leadership and Board members.
Strong written and verbal communication skills, especially in delivering clear, concise risk assessments.
Ability to influence without direct authority and maintain independence.
 
Experience:
Minimum ten (10) years of progressive experience in all forms of Lending (both commercial and consumer) with knowledge of current portfolio risk management techniques; experience with CRE, C&I, floor plan, agricultural, special assets, and asset based lending is desired.
All applicants must be 18 years of age or older.