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

UK St Claire

Manager, Medical Practice

Pavilion, NY

$56K - $75K/yr

Utilizes data analytics, health information systems, and reporting tools to drive process ... Volunteer work and internships for academic credit are not counted. Certifications & Licensures N/A ...

Crosscountrymortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

Conduct preliminary credit analysis and assist with underwriting processes by organizing financial data and supporting risk assessments. * Utilize basic math skills and 10-key typing proficiency to ...

CrossCountry Mortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50K/yr

Conduct preliminary credit analysis and assist with underwriting processes by organizing financial data and supporting risk assessments. * Utilize basic math skills and 10-key typing proficiency to ...

M&T Bank

Mortgage Originator

Rochester, NY · On-site

... and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk ...

M&T Bank

Mortgage Originator

Rochester, NY · On-site

... and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk ...

Mtb

Mortgage Originator

Rochester, NY

... and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk ...

ESL Federal Credit Union

Project Manager

Rochester, NY · Hybrid

$78K - $113K/yr

This role uses standard project management methodologies to manage scope, schedule, risk, and ... Demonstrated experience managing projects requiring complex analysis and problem solving

ACV

Capital Sales - Mgr, Deal Flp Reg Sales

Buffalo, NY · On-site

$82K/yr

Provide credit analysis, reviewing Inventory Audits and actively managing a portfolio. The ... Analyze risk vs benefits on accounts of a competitive nature. * Proficient in identifying and ...

NBT Bank

Mortgage Originator

Fairport, NY · On-site

$33K - $220K/yr

Ability to analyze credit reports and income and asset calculations. Unique Job Characteristics and ... risk. We've weathered the market's ups and downs for over 165 years, all while charting a well ...

NBT Bank

Mortgage Originator

Rochester, NY · On-site

$33K - $220K/yr

Ability to analyze credit reports and income and asset calculations. Unique Job Characteristics and ... risk. We've weathered the market's ups and downs for over 165 years, all while charting a well ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Rochester, NY

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 Jul 13, 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 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 does a Credit Risk Analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
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 July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 82% Full Time, 11% Part Time, 1% Temporary, and 4% Contract. Highlights an 81% Physical, 5% Hybrid, and 14% Remote job distribution, with an average salary of $112,363 per year, or $54 per hour.

Collections Specialist (Contract)

CooperCompanies

Victor, NY • On-site

$22.90 - $27.89/hr

Full-time

Posted 13 days ago

Job description


At CooperVision, a business unit of CooperCompanies (Nasdaq: COO), we're driven by a unified purpose of helping people experience life's beautiful moments. We are connected through our shared values - dedicated, innovative, friendly, partners, and do the right thing. As a leading global manufacturer of contact lenses, we are committed to helping improve the way people see each day. Through our diverse lens portfolio, we tackle the toughest vision challenges - including astigmatism, presbyopia, and childhood myopia. We offer the most complete collection of spherical, toric, and multifocal products available, enabling us to fit 99% of all contact wearers. Learn more at www.coopervision.com
Job Summary:
Liaison to customer accounts for billing inquiries and focal point for; cash applications and collections related activities. Reconcile accounts receivables, perform collection management processes, and post payments. Communicates and maintains customer focused, collaborative rapport with assigned accounts. Involved in analysis associated with establishing customer lines of credit.
Responsibilities
Essential Functions & Accountabilities:
  • Handle & process daily cash receipts.
  • Apply incoming customer payments to their respective accounts and invoices.
  • Manage discrepancies, deductions and/or adjustments.
  • Performs collection related tasks for accounts with past due receivable balances.
  • Responsible for monitoring and maintaining assigned accounts portfolio.
  • Identifies bad debt and/or financial exposure risk
  • Establish and maintain effective and collaborative working relationships with customers and internal partners.
  • Communicate with customers regarding billing and other general inquiries.
  • Accountable for reducing accounts receivable aging/delinquency, for assigned accounts.
  • Maintain accurate records pertaining to accounts receivable, credit, discrepancies, issue resolution, etc.
  • Weekly and/or monthly reporting
  • Reviews and processes pending orders, and account adjustments within the department policy guidelines.
  • Interact directly with customers and internal partners to analyze and resolve disputed items according to company policies and department procedures.
  • Enlists the support of sales and management, when necessary, to expedite the collections and/or issue resolution processes.
  • Assists in the financial analysis, credit underwriting and approval process for new accounts.
  • Collaborates with the Sales and Marketing departments in support of customer related inquiries, new program launches and other initiatives.
  • Recommends and prepares severely delinquent accounts for external collection proceedings.
  • May be required to participate on special projects in support of the Accounts Receivable dept. and/or Finance organization.

Qualifications
Knowledge, Skills and Abilities:
  • Degree in accounting, business or related area is preferred.
  • A combination of experience and education resulting in a moderate understanding of cash applications & collections is required.
  • Minimum of 1 year previous experience with; Accounts Receivable, cash applications, collections, customer relations required. Experience with Oracle, Microsoft Dynamics 365, and other ERP/business applications is beneficial.
  • Strong attention to detail
  • Proficiency with data entry accuracy, produces highly accurate output.
  • Strong oral and written communication skills.
  • Friendly and collaborative; team oriented.
  • Excellent customer service, research, and negotiation skills
  • Ability to make sound judgments, based on data analysis.
  • Organized with excellent time management skills.
  • Ability to multi-task and focus, in a fast-paced work environment.
  • Possesses a moderate understanding of accounts receivable and general accounting.
  • Ability to perceive unfavorable conditions and employ critical thinking skills to proactively initiate alternatives to circumvent the problem.
  • Flexible; easily adapts to change in systems and/or process.
  • Microsoft Office / Excel skills.

Work Environment:
  • This position requires full-time onsite work (5 days per week) in Victor, NY and is not eligible for relocation assistance
  • Standard office environment.
  • Sedentary to light physical effort necessary to perform the job.
  • Extensive telephone use and computer work.

For U.S. locations that require disclosure of compensation, the starting base pay for this role is between $22.90 and $27.89 per hour and may include cost of living adjustments. The actual base pay includes many factors and is subject to change and modification in the future. This position may also be eligible for other types of compensation and benefits.
We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender, gender identity or expression, or veteran status. We are proud to be an equal opportunity workplace.
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