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

ELS

Fraud Investigator

Rochester, NY · On-site

$91K/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 ...

ESL Federal Credit Union

Auditor II

Rochester, NY · Hybrid

$69.97K - $101.43K/yr

... risk management, banking, financial services, investments and/or trust * Strong understanding of accounting * Solid working knowledge of general accounting and auditing standards * Strong analytical ...

Crosscountrymortgage

Loan Officer Assistant

Rochester, NY

$37K - $50.30K/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 ...

ESL Federal Credit Union

Digital Sales Manager

Rochester, NY · On-site +1

$87.77K - $127.23K/yr

Monitor and analyze key performance indicators including: site traffic, engagement, application ... Act as a key connector across Marketing, Product, UX/UI, Operations, Risk, Compliance, Retail ...

M&T Bank

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 ...

CrossCountry Mortgage

Loan Officer Assistant

Rochester, NY · On-site

$37K - $50.30K/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 ...

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 ...

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 ...

ESL Federal Credit Union

Product Manager

Rochester, NY · Hybrid

$100.92K - $127.23K/yr

Complete product risk assessments * Define feature and functionality for products/services ... Scope and prioritize activities based on customer and business impact Analyze competitive market ...

NBT Bank

Mortgage Originator

Rochester, NY

$33.28K - $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

Fairport, NY · On-site

$33.28K - $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

Fairport, NY · On-site

$33.28K - $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 ...

Acara Solutions

Fraud Specialist

Rochester, NY · On-site

$21 - $22/hr

Analyze and track reported cases of check fraud, including counterfeit checks and forged ... credit monitoring offerings. * Evaluate and mitigate risk with clients who fail authentication ...

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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 30, 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.

Fraud Investigator

ELS

Rochester, NY • On-site

$91K/yr

Full-time

Retirement

Posted 15 days ago

Job description

Hours:
40
Schedule:
This position is remote eligible for up to 40% of the time. The shift is typically Monday - Friday between the hours of 7:00am - 7:30pm. The ability to work a rotational shift, Saturdays, and be on-call 24x7x365 is required dependent on business need.
Comprehensive Benefits:
ESL offers a competitive benefits package which focuses on providing a work life balance for all employees. Our benefits include robust options such as our wellness program, family assistance plan, 401k with match, paid volunteer time and Learning & Development training among many others.
Pay and Incentive Plan:
Starting Pay: $91,000 Pay Range: $80,454 - $101,426
In addition to competitive pay and benefits, we offer an annual performance-based incentive that rewards eligible employees for their contributions to our success.
Purpose:
The Fraud Investigator is a senior-level role responsible for managing complex fraud investigations, ensuring regulatory compliance, and collaborating with law enforcement. This position requires expertise in fraud detection, case management, and compliance standards to protect ESL Federal Credit Union and its members from fraud risk, loss, and reputational harm.
Accountabilities:
Complex Fraud Investigation and Case Resolution
  • Conduct comprehensive investigations on high-risk fraud cases, including identity theft, account takeovers, and unauthorized transactions.
  • Collect and analyze evidence, document findings, and make determinations on fraudulent activities, maintaining thorough case records.
  • Work directly with impacted members to resolve cases and implement preventive measures.
  • Keep members informed of their case status and the next steps, ensuring they understand timelines and expected outcomes.

Law Enforcement and External Collaboration
  • Serve as the primary point of contact for law enforcement agencies, sharing relevant case information and supporting criminal investigations.
  • Develop and maintain relationships with law enforcement and other financial institutions to enhance fraud detection and response efforts.

Internal Collaboration and Fraud Education
  • Collaborate with departments such as Risk, Compliance, and Operations to develop fraud prevention strategies and strengthen cross-functional efforts.
  • Conduct fraud awareness training for team members, sharing insights on emerging fraud tactics and industry trends.

Regulatory Compliance and Reporting
  • Ensure all investigations comply with BSA, AML, KYC, and other regulatory requirements.
  • Prepare and submit Suspicious Activity Reports (SARs), as required, and other regulatory filings as needed, maintaining accuracy and timeliness.

Proactive Risk Assessment and Prevention
  • Identify trends and vulnerabilities within ESL's systems, recommending and implementing fraud prevention controls to mitigate risk.
  • Stay updated on regulatory changes, incorporating new practices into fraud detection processes.

Qualifications:
  • Bachelor's degree or 4 years of directly related experience required
  • In addition, 5+ years of fraud, risk management, or operational experience, preferably at a financial institution
  • Familiarity with financial regulations, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Know Your Customer (KYC) requirements
  • Extensive experience in resolving conflict, conducting investigations/interviews while maintaining composure
  • Strong analytical skills, attention to detail, and ability to handle complex cases
  • Ability to work a rotational shift, Saturday's, and be on-call 24x7x365 dependent on business need
  • Excellent written and verbal communication for effective member and law enforcement interaction
  • Knowledge of regulatory requirements and experience in regulatory reporting
  • Excellent verbal and written communication to interact professionally with members, colleagues, and law enforcement
  • Ability to explain complex fraud cases clearly and concisely to non-technical stakeholders
  • Competence with Microsoft Office Suite (Excel, Word, Outlook) for reporting and documentation
  • Exceptional attention to detail to ensure accuracy in case documentation, reporting, and compliance adherence
  • Ability to adapt quickly to changing fraud trends, regulatory updates, and internal processes
  • Resilience to manage stress in a fast-paced environment, especially during periods of high alert activity
  • Strong ability to analyze transaction data, identify suspicious patterns, and assess risk
  • Ability to explain complex fraud cases clearly and concisely to non-technical stakeholders
  • Demonstrates alignment with ESL's Core Values, mission, vision, and purpose to help our community thrive and prosper

Preferred Qualifications:
  • Bachelor's degree preferred
  • Certified Fraud Examiner (CFE) preferred or willing to obtain within 12 months

We're committed to diversity, equity, and inclusion. We believe we are a stronger, more successful organization because of this commitment. We strive to ensure a robust talent pool of qualified candidates with a variety of skillsets and capabilities for all our openings. We hire great people and welcome all new hires to our award-winning work environment, which has been recognized by the Great Place to Work Institute since 2010.
#LI-JF1
#LI-Hybrid
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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