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Credit Officer Jobs in Rochester, NY (NOW HIRING)

Farm Credit East

Loan Officer

Batavia, NY · On-site

$75K - $105K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest ... The Loan Officer is a customer focused role serving in a relationship management capacity to ...

Farm Credit East

Loan Officer

Batavia, NY · Hybrid

$75K - $105K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest ... The Loan Officer is a customer focused role serving in a relationship management capacity to ...

Farm Credit East

Loan Officer

Batavia, NY · Hybrid

$75K - $105K/yr

Farm Credit East (FCE) is the leading provider of loans and farm advisory services to farm, forest ... The Loan Officer is a customer focused role serving in a relationship management capacity to ...

US Navy

SEAL Officer

Rochester, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Holley, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Lakeville, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Fairport, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Brockport, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Hilton, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Honeoye, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Bloomfield, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Walworth, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Hemlock, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Churchville, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

US Navy

SEAL Officer

Batavia, NY

... credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities. Specific options depend on the Sailor's status, training, and current ...

Morgan Stanley

Risk Officer

Rochester, NY

$120K - $160K/yr

The Risk Officer is responsible for a wide variety of supervisory, compliance, and risk functions ... Active involvement with the region regarding matters presented to the Credit Committee * Primary ...

Morgan Stanley

Risk Officer

Rochester, NY · On-site

$120K - $160K/yr

The Risk Officer is responsible for a wide variety of supervisory, compliance, and risk functions ... Active involvement with the region regarding matters presented to the Credit Committee * Primary ...

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Showing results 1-20

All JobsCredit Officer JobsCredit Officer Jobs in Rochester, NY

Credit Officer information

See Rochester, NY salary details

$34.5K

$96.7K

$145.5K

How much do credit officer jobs pay per year?

As of Jul 30, 2026, the average yearly pay for credit officer in Rochester, NY is $96,707.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $118,900.00 per year, depending on experience, location, and employer.

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

To succeed as a Credit Officer, you need a strong background in finance, risk assessment, and credit analysis, often supported by a degree in finance, accounting, or a related field. Familiarity with credit scoring software, loan management systems, and financial modeling tools is essential. Excellent analytical thinking, attention to detail, and clear communication skills help set top performers apart. These abilities are crucial for making informed lending decisions, minimizing risk, and fostering positive client relationships.

What are some common challenges Credit Officers face when assessing loan applications, and how can these be overcome?

Credit Officers often encounter challenges such as incomplete financial documentation, complex client financial histories, and tight deadlines for decision-making. Overcoming these requires strong analytical skills, attention to detail, and effective communication with applicants to clarify missing or ambiguous information. Building collaborative relationships with underwriting teams and staying updated on regulatory changes can also streamline the evaluation process and improve decision accuracy.

What Is a Credit Officer?

A credit officer processes financial loan applications for clients on behalf of banks. Their job responsibilities include helping clients choose the best loan options for their car, mortgage, or personal credit. Other duties include evaluating credit, entering financial data, and performing risk assessments. To become a credit officer, you need a bachelor’s degree in finance, accounting, or economics. Additional qualifications, such as the certified lender business banker (CLBB) credential, can help you advance in this career.

What does a Credit Officer do?

A Credit Officer is responsible for evaluating and approving loan applications by assessing the creditworthiness of individuals or businesses. They analyze financial information, credit reports, and other relevant data to determine the risk involved in lending money. Credit Officers also ensure that all loans comply with the institution's lending policies and government regulations, and they may work with clients to explain loan terms and answer questions. Their role is crucial in minimizing financial risk for banks and other lending institutions.

What is the difference between Credit Officer vs Loan Officer?

AspectCredit OfficerLoan Officer
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusSimilar educational background; often holds licenses or certifications depending on loan types
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing creditworthinessWorks in banks, mortgage companies, or lending firms evaluating loan applications
Primary ResponsibilitiesAnalyzes credit data, assesses risk, and approves or declines credit applicationsAssists clients in obtaining loans, evaluates financial information, and recommends loan options

While both roles involve evaluating financial information, Credit Officers focus on assessing credit risk and approving credit lines, whereas Loan Officers primarily assist clients in securing loans by guiding them through the application process.

More about Credit Officer jobs
What are popular job titles related to Credit Officer jobs in Rochester, NY? For Credit Officer jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Credit Officer jobs in Rochester, NY look for? The top searched job categories for Credit Officer jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Credit Officer jobs? Cities near Rochester, NY with the most Credit Officer job openings:
Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Rochester, NY as of July 2026, with employment types broken down into 83% Full Time, 15% Part Time, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $96,707 per year, or $46.5 per hour.

Credit Officer I

First American Equipment Finance

Rochester, NY • Hybrid

$80K - $140K/yr

Full-time

Retirement

Posted 15 days ago

Job description

High performers deserve a high-performance culture and a state-of-the-art headquarters. First American is proud to offer its colleagues outstanding compensation & benefits, including 401(k) match, a free on-site gym, paid parental leave, and subsidized childcare, and a flexible hybrid schedule, among many others.

The Credit Officer plays a key role in evaluating, structuring, and underwriting commercial credit opportunities across a diverse portfolio. This positionis responsible forconducting detailed credit and financial analysis- including cash flow modeling, balance sheet evaluation, profitability assessment,liquidityand solvency analysis- and deliveringwellsupportedcredit recommendations.

Credit Officers partner closely withSales and Operations stakeholdersto ensure that credit requests arethoroughlyreviewed, properly documented, and aligned withinternalrisk appetite. This role supports the full credit lifecycle, frominitialstructuring through final approval, and contributes to ongoing portfoliomonitoringto maintain strong credit quality.

Key Responsibilities

  • Perform comprehensive underwritingofcommercial credit requestswith moderate to advanced complexity, including financial statement analysis, cash flowmodeling, collateral evaluation, and risk rating assessments.

  • Prepare clear, concise, andwell supportedcreditrecommendationsoutlining credit structure, risk considerations,andmitigants.

  • Collaborate withSales and Operations stakeholdersto structure credit solutions that balance client needs with prudent risk management.

  • Participate in due diligence activities, including industry research, borrower interviews, and review of legal and supporting documentation.

  • Monitor existing credit relationshipsfor early identification andescalation ofpotential credit issues to ensuretimelyresolution and protect portfolio quality.

  • Workcross functionallywith Operations, Sales,Financeand other internal teams to support efficient credit processing and ensure alignment throughout the approval workflow.

  • Contribute to continuous improvement of underwriting standardsand guidelines, credit processes, and risk management practices.

Qualifications

  • Bachelor's degree in Finance, Accounting, Business, Economics, or related field preferred; equivalent combination of education and experience considered.

  • Three to 10years of experience underwriting commercial credit, including analysis ofincreasinglycomplex borrowers and deal structures,commensuratewith experience.

  • Strong analytical skills with the ability to interpret financial statements, assess risk, and form sound creditrecommendation.

  • Excellent written and verbal communication skills, with the ability to present credit conclusions clearly and persuasively.

  • Proven ability to manage multiple priorities, meet tight deadlines, and work effectively in a collaborative team environment.

  • High attention to detail, strong organizational skills, and commitment to accuracy and thoroughness.

  • Proficiencywith financial analysis tools, credit systems, and Microsoft Office applications.

The role is structured to accommodate a range of experience levels- from Senior Analystsprogressing in their careers to seasoned Credit Officers. Final title and compensation will reflect the candidate's background andexpertise.

Compensation:The salary range for this position is $80,000 - $140,000.Eligible for annual performance bonus.

We are hiring a limited number of professionals with a can-do attitude, who enjoy camaraderie, believe in excellence, and have an action orientation. If you value being part of a highly empowered team and enjoy an environment that rewards innovation, hard work, and excellence-we would love to talk to you.

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