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Credit Risk Jobs in Rochester, NY (NOW HIRING)

Morgan Stanley

Risk Officer

Rochester, NY · On-site

$120K - $160K/yr

Active involvement with the region regarding matters presented to the Credit Committee * Primary source for intelligence on risk in regard to clients and FAs Administrative * Works closely with ...

Morgan Stanley

Risk Officer

Rochester, NY · On-site

$120K - $160K/yr

Active involvement with the region regarding matters presented to the Credit Committee * Primary source for intelligence on risk in regard to clients and FAs Administrative * Works closely with ...

Morgan Stanley

Risk Officer

Rochester, NY

$120K - $160K/yr

Active involvement with the region regarding matters presented to the Credit Committee * Primary source for intelligence on risk in regard to clients and FAs Administrative * Works closely with ...

Farm Credit East

Loan Officer

Batavia, NY · On-site

$75K - $105K/yr

Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio

Farm Credit East

Loan Officer

Batavia, NY · Hybrid

$75K - $105K/yr

Monitors borrowers within assigned loan portfolio to document compliance with terms and conditions, covenants, inspections, credit quality, and risk assessment to ensure a safe and sound portfolio

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Showing results 21-40

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 Aug 6, 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 is the average salary of a credit risk analyst?

The average salary of a credit risk analyst typically ranges from $60,000 to $85,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries, often supplemented with bonuses and benefits.

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.

How to start a career in credit risk?

To start a career in credit risk, obtain a bachelor's degree in finance, economics, or a related field, and develop strong analytical and quantitative skills. Gaining experience through internships or entry-level roles in banking, finance, or risk management helps build relevant expertise, and earning certifications like the Financial Risk Manager (FRM) can enhance job prospects.
What are the most commonly searched types of Credit Risk jobs in Rochester, NY? The most popular types of Credit Risk jobs in Rochester, NY are:
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
Infographic showing various Credit Risk job openings in Rochester, NY as of July 2026, with employment types broken down into 83% Full Time, 15% Part Time, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $107,857 per year, or $51.9 per hour.

Credit Officer I

First American Equipment Finance

Rochester, NY • On-site

$80K - $140K/yr

Full-time

Retirement

Posted 23 days ago

Job description

High performers deserve a high-performance culture and a state-of-the-art headquarters. First American is proud to offer its colleagues outstanding compensation & benefits, including 401(k) match, a free on-site gym, paid parental leave, and subsidized childcare, and a flexible hybrid schedule, among many others.
The Credit Officer plays a key role in evaluating, structuring, and underwriting commercial credit opportunities across a diverse portfolio. This position is responsible for conducting detailed credit and financial analysis - including cash flow modeling, balance sheet evaluation, profitability assessment, liquidity and solvency analysis - and delivering wellsupported credit recommendations.
Credit Officers partner closely with Sales and Operations stakeholders to ensure that credit requests are thoroughly reviewed, properly documented, and aligned with internal risk appetite. This role supports the full credit lifecycle, from initial structuring through final approval, and contributes to ongoing portfolio monitoring to maintain strong credit quality.
Key Responsibilities
  • Perform comprehensive underwriting of commercial credit requests with moderate to advanced complexity, including financial statement analysis, cash flow modeling, collateral evaluation, and risk rating assessments.

  • Prepare clear, concise, and well supported credit recommendations outlining credit structure, risk considerations, and mitigants.

  • Collaborate with Sales and Operations stakeholders to structure credit solutions that balance client needs with prudent risk management.

  • Participate in due diligence activities, including industry research, borrower interviews, and review of legal and supporting documentation.

  • Monitor existing credit relationships for early identification and escalation of potential credit issues to ensure timely resolution and protect portfolio quality.

  • Work cross functionally with Operations, Sales, Finance and other internal teams to support efficient credit processing and ensure alignment throughout the approval workflow.

  • Contribute to continuous improvement of underwriting standards and guidelines, credit processes, and risk management practices.

Qualifications
  • Bachelor's degree in Finance, Accounting, Business, Economics, or related field preferred; equivalent combination of education and experience considered.

  • Three to 10 years of experience underwriting commercial credit, including analysis of increasingly complex borrowers and deal structures, commensurate with experience.

  • Strong analytical skills with the ability to interpret financial statements, assess risk, and form sound credit recommendation.

  • Excellent written and verbal communication skills, with the ability to present credit conclusions clearly and persuasively.

  • Proven ability to manage multiple priorities, meet tight deadlines, and work effectively in a collaborative team environment.

  • High attention to detail, strong organizational skills, and commitment to accuracy and thoroughness.

  • Proficiency with financial analysis tools, credit systems, and Microsoft Office applications.

The role is structured to accommodate a range of experience levels - from Senior Analysts progressing in their careers to seasoned Credit Officers. Final title and compensation will reflect the candidate's background and expertise.
Compensation: The salary range for this position is $80,000 - $140,000. Eligible for annual performance bonus.
We are hiring a limited number of professionals with a can-do attitude, who enjoy camaraderie, believe in excellence, and have an action orientation. If you value being part of a highly empowered team and enjoy an environment that rewards innovation, hard work, and excellence-we would love to talk to you.

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