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Credit Officer Jobs in Rochester, NY (NOW HIRING)

M&T Bank

Commercial Credit Analyst

Rochester, NY

Contacts are primarily internal such as credit officers and other bank personnel. The position interacts with commercial banking relationship managers throughout the bank's footprint and industry ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Contacts are primarily internal such as credit officers and other bank personnel. The position interacts with commercial banking relationship managers throughout the bank's footprint and industry ...

M&T Bank

Commercial Credit Analyst

Rochester, NY · On-site

Contacts are primarily internal such as credit officers and other bank personnel. The position interacts with commercial banking relationship managers throughout the bank's footprint and industry ...

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 ...

New York State

University Police Officer 1

Brockport, NY · On-site

$64K/yr

Either 1. 60 college semester credit hours; Or 2. two years of active United States military ... Or 4. two years of experience as a police officer within New York State with a valid New York State ...

New

CrossCountry Mortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

The Loan Officer Assistant is responsible for preparing and processing loan applications ... Conduct preliminary credit analysis and assist with underwriting processes by organizing financial ...

Crosscountrymortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

The Loan Officer Assistant is responsible for preparing and processing loan applications ... Conduct preliminary credit analysis and assist with underwriting processes by organizing financial ...

U.S. Navy

Surface Warfare Officer

Pittsford, NY

Officer • Both Overview Surface Warfare Officers lead at sea by managing ship operations, combat ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

U.S. Navy

Surface Warfare Officer

Churchville, NY

Officer • Both Overview Surface Warfare Officers lead at sea by managing ship operations, combat ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

U.S. Navy

Surface Warfare Officer

Batavia, NY

Officer • Both Overview Surface Warfare Officers lead at sea by managing ship operations, combat ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

U.S. Navy

Surface Warfare Officer

Canandaigua, NY

Officer • Both Overview Surface Warfare Officers lead at sea by managing ship operations, combat ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

U.S. Navy

Surface Warfare Officer

Hilton, NY

Officer • Both Overview Surface Warfare Officers lead at sea by managing ship operations, combat ... recommended college credit for Navy training, Navy COOL-funded certifications, USMAP ...

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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

$145.6K

How much do credit officer jobs pay per year?

As of Sep 7, 2026, the average yearly pay for credit officer in Rochester, NY is $96,733.00, 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 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 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 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.

What do you need to be a credit officer?

To become a credit officer, candidates typically need a bachelor's degree in finance, accounting, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of credit reporting and risk assessment. Professional certifications such as the Certified Credit Executive (CCE) can also enhance job prospects.
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What cities near Rochester, NY are hiring for Credit Officer jobs?

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Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Rochester, NY as of August 2026, with employment types broken down into 1% Internship, 86% Full Time, and 13% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $96,733 per year, or $46.5 per hour.

Senior, Liquid Credit

Growth Equity Interview Guide

Rochester, NY • On-site

$180 - $320/hr

Other

Posted 19 days ago

Job description

Overview

Ares Management is looking for a Senior Credit Trader to join their liquid credit trading team in New York. In this role, you'll focus on trading bank loans and high yield bonds while collaborating with portfolio managers to identify investment opportunities. You'll also provide market insights and help improve trading processes through technology. This is a great opportunity to be part of a dynamic team in a leading investment firm.

Responsibilities
  • Trade bank loans and high yield bonds as part of the liquid credit trading team.
  • Collaborate with portfolio managers to identify investment opportunities.
  • Provide market insights to inform trading decisions.
  • Help improve trading processes through technology.
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