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Credit Risk Analyst Jobs in Rochester, NY (NOW HIRING)

ESL Federal Credit Union

Fraud Investigator

Rochester, NY · Remote

$80.45K - $101.43K/yr

... ESL Federal Credit Union and its members from fraud risk, loss, and reputational harm ... Collect and analyze evidence, document findings, and make determinations on fraudulent activities ...

Northwest

Sr. Middle Market Banker

Webster, NY

$180K - $210K/yr

Analyze financial statements and related credit material to stay apprised of client performance and assess risk on a continuous basis in conjunction with Portfolio Management * Complete loan closings ...

Northwest Bank

Sr. Middle Market Banker

Webster, NY

$180K - $210K/yr

Analyze financial statements and related credit material to stay apprised of client performance and assess risk on a continuous basis in conjunction with Portfolio Management * Complete loan closings ...

Manning & Napier

SENIOR CORPORATE COUNSEL

Fairport, NY · On-site

$145/hr

Provide practical legal guidance to senior leadership, identifying and managing legal risk and ... Analyze change-of-control, consent, and notice provisions across advisory, credit, and commercial ...

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Credit Risk Analyst information

See Rochester, NY salary details

$36.5K

$112.4K

$194.9K

How much do credit risk analyst jobs pay per year?

As of May 29, 2026, the average yearly pay for credit risk analyst in Rochester, NY is $112,363.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,400.00 and $138,600.00 per year, depending on experience, location, and employer.

What Does a Credit Risk Analyst Do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

What are some common challenges faced by Credit Risk Analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Rochester, NY? The most popular types of Credit Risk Analyst jobs in Rochester, NY are:
What are popular job titles related to Credit Risk Analyst jobs in Rochester, NY? For Credit Risk Analyst jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analyst jobs in Rochester, NY look for? The top searched job categories for Credit Risk Analyst jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Credit Risk Analyst jobs? Cities near Rochester, NY with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Rochester, NY as of May 2026, with employment types broken down into 25% Internship, and 75% Full Time. Highlights an 100% In-person job distribution, with an average salary of $112,363 per year, or $54 per hour.
Risk Management Real Estate Review Lead - Vice President

Risk Management Real Estate Review Lead - Vice President

JPMorgan Chase & Co.

Rochester, NY • On-site, Remote

$137.75K - $200K/yr

Full-time

Medical, Retirement

This job post has expired today. Applications are no longer accepted.

JPMorgan Chase & Co. rating

8.1

Company rating: 8.1 out of 10

Based on 466 frontline employees who took The Breakroom Quiz

45th of 141 rated banks

Job description

Job Description
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping the firm strong and resilient. You help the business grow responsibly by anticipating and assessing portfolio risk, applying sound judgment, and supporting high-quality risk decisions. Our culture values collaboration, innovation, and continuous improvement as we strive to be best-in-class.
As a Vice President, Appraisal Review Lead within Risk Management and Compliance, you will oversee the review and analysis of diverse and complex commercial and multifamily real estate portfolios across the United States. You will work closely with appraisal professionals, lines of business, credit teams, and external partners to ensure appraisal quality, consistency, and adherence to regulatory and firm standards. This role offers exposure to complex assignments, cross-team collaboration, and opportunities for professional growth.
Job Responsibilities
  • Lead the appraisal review process for commercial and multifamily real estate portfolios.
  • Review and analyze third-party appraisal reports for compliance with professional standards and firm guidelines.
  • Coordinate with external reviewers, vendors, lines of business, and credit partners to ensure consistency and quality.
  • Apply expert judgment to assess valuation risk and identify key appraisal issues.
  • Manage multiple reviews simultaneously while meeting quality and timing expectations.
  • Contribute to a collaborative team environment through knowledge sharing and best practices.
  • Support enhancements to appraisal review processes, including effective use of technology solutions.
  • Participate in cross-team initiatives and complex single-asset or portfolio-level reviews.
  • Maintain awareness of regulatory expectations and evolving appraisal standards.

Required Qualifications, Capabilities, and Skills
  • State Certified General Real Estate Appraiser.
  • Ten or more years of real estate appraisal experience, including significant experience reviewing complex commercial appraisals.
  • Broad exposure to commercial and multifamily property types.
  • Completion of appraisal coursework equivalent to those required for the MAI designation.
  • Advanced proficiency in Argus Enterprise and Microsoft Excel.
  • Strong analytical, mathematical, and problem-solving skills.
  • Clear and effective written and verbal communication skills.
  • High attention to detail and commitment to quality.
  • Experience working in a regulated, standards-driven appraisal or risk environment.

Preferred Qualifications, Capabilities, and Skills
  • Bachelor's degree.
  • MAI or equivalent professional appraisal designation.
  • Experience leading portfolio-level appraisal reviews.
  • Prior experience in a banking or regulatory environment.
  • Experience leveraging technology to enhance appraisal review efficiency and consistency.

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

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