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Credit Risk Jobs in Rochester, NY (NOW HIRING)

NBT Bank

Credit Analyst II

Fairport, NY

$30.59 - $40.76/hr

On occasion, joins credit officers and commercial banking officers on client calls. Analyst will ... risk. We've weathered the market's ups and downs for over 165 years, all while charting a well ...

Highland Hospital

Risk Leader Specialist

Rochester, NY · On-site

$37.50 - $51.26/hr

The Risk Leader Specialist is responsible for oversight of safety initiatives and achievement of related outcomes throughout the organization. Collaborates with clinical and administrative leadership ...

Highland Hospital

Risk Leader Specialist

Rochester, NY · On-site

$37.50 - $51.26/hr

The Risk Leader Specialist is responsible for oversight of safety initiatives and achievement of related outcomes throughout the organization. Collaborates with clinical and administrative leadership ...

Northwest

Sr. Middle Market Banker

Webster, NY · On-site

$180K - $210K/yr

The Sr. Middle Market Banker is also responsible for managing a portfolio of relationships, ensuring an exceptional client experience, while appropriately managing risk, credit quality, servicing ...

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Showing results 1-20

All JobsCredit Risk JobsCredit Risk Jobs in Rochester, NY

Credit Risk information

See Rochester, NY salary details

$49.3K

$107.9K

$180.6K

How much do credit risk jobs pay per year?

As of Jul 5, 2026, the average yearly pay for credit risk in Rochester, NY is $107,857.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $140,100.00 per year, depending on experience, location, and employer.

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 statements, and a background in finance, economics, or a related field, often supported by a relevant degree or certification (such as FRM or CFA). Familiarity with risk assessment tools, financial modeling software, and credit rating systems is typically required. Attention to detail, critical thinking, and effective communication are essential soft skills for interpreting data and presenting risk assessments to stakeholders. These skills and qualities are crucial for making informed decisions that minimize financial losses and ensure sound lending practices.

What is the difference between Credit Risk vs Credit Analyst?

AspectCredit RiskCredit Analyst
Primary FocusAssessing the likelihood of borrower default to manage overall credit riskAnalyzing credit data to determine creditworthiness of individual applicants
Work EnvironmentRisk management teams, financial institutions, credit departmentsBanking, lending institutions, financial services
Required CredentialsOften requires risk management certifications, finance degreesFinance or accounting degrees, certifications like CFA or credit-specific courses

While both roles involve understanding credit, Credit Risk focuses on managing the overall risk exposure of an organization, whereas a Credit Analyst evaluates individual credit applications to determine approval. Both roles are essential in the lending process but differ in scope and responsibilities.

What is credit risk and what does a credit risk professional do?

Credit risk refers to the possibility that a borrower or counterparty will fail to meet their financial obligations, such as repaying a loan or making payments on time. Credit risk professionals analyze financial data, assess the creditworthiness of individuals or companies, and help set lending policies to minimize potential losses for banks or financial institutions. They use various models and tools to evaluate risk, monitor existing loans, and recommend strategies to mitigate exposure. Their work is essential for maintaining the financial health and stability of lending organizations.

What are some typical challenges faced by professionals in credit risk roles, and how can they be addressed?

Credit risk professionals often encounter challenges such as assessing the creditworthiness of new and existing clients, keeping up with rapidly changing market conditions, and managing large volumes of data to make informed decisions. To address these, it's important to stay updated on industry trends, develop strong analytical and communication skills, and leverage advanced risk assessment tools. Collaborating closely with colleagues in underwriting, sales, and compliance teams also helps ensure well-rounded risk evaluations and consistent application of policies.
What are popular job titles related to Credit Risk jobs in Rochester, NY? For Credit Risk jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in Rochester, NY look for? The top searched job categories for Credit Risk jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Credit Risk jobs? Cities near Rochester, NY with the most Credit Risk job openings:
Credit Risk jobs near you
Senior Credit Analyst

Senior Credit Analyst

Tompkins Community Bank

Batavia, NY • On-site

$34/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 24 days ago

Tompkins Community Bank rating

8.4

Company rating: 8.4 out of 10

Based on 12 frontline employees who took The Breakroom Quiz

30th of 144 rated banks

Job description

Overview
Responsible for providing credit and financial analysis support to the commercial lending function as well as the credit administration function. The position will require active participation in new credit requests, loan reviews and credit discussions with stakeholders. The ideal candidate will be responsive to loan officers and other loan staff throughout due diligence, approval process, and continued portfolio monitoring.
Responsibilities
  • Develop credit and financial analysis support to the commercial lending function and credit administration as follows:
    • Determine what financial documents and information are needed for a complete understanding of requests.
    • Review and analyze financial statements and personal/corporate tax returns.
    • Research debt and deposit relationships from all internal bank systems.
    • Spread financials to generate common sized reports, financial ratios and trend reports.
    • Prepare in-depth cash flow analysis of companies and individuals.
    • Analyze collateral value through use of receivables aging, real estate appraisals, etc.
    • Identify strengths and weakness of credit analyzed.
    • Recommend or assign and substantiate appropriate risk rating to each credit.
    • Prepare and present an accurate summary analysis, recommend loan structure, and summarize borrower's creditworthiness.
    • Review collateral and supporting documents for completeness and accuracy.
  • Become familiar with characteristics of various industries and business structures and sustain continual research.
  • Understand and evaluate residential and commercial real estate appraisals, including use of a fair capitalization rate.
  • Become familiar with commercial loan policy manual, apply policies and report policy exceptions.
  • Become familiar with the Uniform Commercial Code and other loan documentation related to lien perfection and protection of Company's collateral.
  • Review credit memos to review credit migration and to track and monitor exceptions to bank policy manual.
  • Provide analytical support to various departments throughout the Company, as needed.
  • Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company's adherence to outside regulatory requirements.
  • Respect highly sensitive nature of position and treats all information in a confidential manner

Qualifications
  • Bachelor's Degree in Business, Accounting, Finance, or other related field.
  • Minimum of two (2) years' banking or related field experience.
  • Excellent verbal and written communication.
  • Working knowledge of computer systems, including Microsoft Excel, Microsoft Word and Abrigo software.
  • Current knowledge of techniques necessary to analyze business financial conditions including an acute awareness of the implications that financial and non-financial factors can have in assessing a borrower's ability to service debt obligations.
  • Excellent organizational skills with the ability to work independently and prioritize.

Benefits
  • Medical
  • Dental
  • Vision
  • 401(k) Match
  • Profit Sharing
  • Paid Time Off
  • 11 Holidays
  • Tuition Reimbursement
  • Free Parking throughout Tompkins Community Bank
  • Employee Referrals

EEO Statement
Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.
For more information, please click here.
#communitybank
Pay Range
USD $34.00 - USD $40.00 /Hr.

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