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Credit Officer Jobs in Rochester, NY (NOW HIRING)

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

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 ...

Showing results 41-60

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 Aug 20, 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 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.

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:

Infographic showing various Credit Officer job openings in Rochester, NY as of August 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $96,707 per year, or $46.5 per hour.

Surface Warfare Officer

U.S. Navy

Brockport, NY

Full-time

Medical, Dental, Vision, Retirement

Re-posted 16 days ago


United States Navy rating

6.4

Company rating: 6.4 out of 10

Based on 380 frontline employees who took The Breakroom Quiz

42nd of 49 rated military and defense


Job description

Job Title: Surface Warfare Officer
Category / Component: Officer • Both

Overview
Surface Warfare Officers lead at sea by managing ship operations, combat systems, navigation, and warfare tactics to ensure mission readiness across the Fleet on destroyers, cruisers, amphibious ships, littoral combat ships, and auxiliaries.

Key Responsibilities
Direct shipboard watch teams and coordinate flight and underway operations; oversee navigation, engineering, weapons, and combat systems readiness; plan and execute maritime warfare, logistics, and amphibious operations; train and mentor Sailors, drive maintenance and material readiness, and prepare the ship for inspections, certifications, and deployments.

What to Expect
Experience high tempo deployments and underway periods interspersed with maintenance and basic training phases; assume broad leadership responsibilities early, making decisions under time pressure in complex situations; rotate through multiple departments and billets to gain experience in operations, engineering, combat systems, and administration; frequent time at sea with demanding schedules.

Work Environment
Sea tours aboard surface combatants and amphibious or support ships, with shore assignments at training commands, fleet and joint staffs, and other shore activities worldwide; work in combat information centers, bridges, engineering spaces, and command and control spaces at sea; office, classroom, and simulator environments ashore that support training, planning, and staff duties.

Pathways, Training & Advancement
Commissioning via the United States Naval Academy, NROTC, or Officer Candidate School followed by Basic Division Officer training and shipboard qualifications; earn the Surface Warfare Officer qualification through experience and demonstrated proficiency; attend advanced schools in tactics, engineering, and combat systems as you progress; complete joint professional military education and other leadership courses while advancing to department head, executive officer, and commanding officer assignments.
Primary accession through USNA, NROTC, or OCS with selection into the Surface Warfare community; Reserve affiliation opportunities for prior service Surface Warfare Officers with billets in training, staff, and operational support roles.

Qualifications
All Navy jobs require meeting general enlistment or commissioning standards, which typically include:

Eligibility to serve in the United States Navy, which may involve United States citizenship or other legal residency and work status, depending on the program and current law and policy
A high school diploma or equivalent for enlisted positions, and a bachelor’s or qualifying professional degree for officer positions
Meeting age limits that vary by program and are set in law and Navy policy. Some communities have more restrictive age ranges
Meeting medical, vision, and dental standards, including body composition and physical fitness requirements, with some jobs requiring more demanding standards
Meeting character and conduct standards, including background screening
Achieving required test scores for your program, such as the Armed Services Vocational Aptitude Battery for enlisted roles or officer qualification tests for officer programs
Eligibility for a security clearance when required for your rating or designator
Additional qualifications can include specific skills, education, licensure, or experience that are unique to a job or community and will be reviewed with you by a recruiter.

Additional qualifications for this job may include:
United States citizenship; bachelor’s degree in any field, with strong leadership potential and technical aptitude; ability to obtain a security clearance; medical qualification for sea duty, including readiness to serve in shipboard environments at sea and in port; willingness to accept worldwide assignment and deployment.

Education
Education benefits are available through standard Navy programs such as Tuition Assistance, the Post-9/11 GI Bill, ACE-recommended college 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 Navy policy.

Pay, Benefits & Service
Pay, benefits, and service commitments follow standard Navy Active and/or Reserve policies for this type of role, including basic pay, allowances when eligible, health coverage, and retirement options. Exact entitlements, special pays, and service obligations depend on program, component, years of service, and current law and Navy guidance.

Incentives
Incentives such as bonuses, special pays, and loan repayment may be available at times for specific ratings or communities, but they change frequently and cannot be guaranteed. Applicants must confirm current incentives and eligibility with an official Navy recruiter or authoritative Navy source.

Notes and Disclaimers
This description is a general overview of typical duties, training, and opportunities in this community. It does not replace official Navy instructions, policies, or contracts and does not guarantee specific assignments, training, incentives, or outcomes. Actual opportunities depend on Navy needs, individual performance, screening results, and current law and policy.


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About US Navy

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Industry

National security, national security and international affairs, public safety statistics centers and offices, guided missile and space vehicle manufacturing and public administration

Company size

10,000+ Employees

Headquarters location

Washington, DC, US

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