ZipRecruiter

Log In

1

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

M&T Bank

Commercial Credit Senior Analyst

Rochester, NY · On-site

... senior team members supporting the duties of underwriting and the on going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues ...

M&T Bank

Commercial Credit Senior Analyst

Rochester, NY · On-site

... senior team members supporting the duties of underwriting and the on going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues ...

M&T Bank

Commercial Credit Senior Analyst

Rochester, NY · On-site

... senior team members supporting the duties of underwriting and the on going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues ...

ELS

Senior Financial Reporting Analyst

Rochester, NY · On-site

$102K/yr

The Senior Financial Reporting & Systems Analyst serves as a key technical and analytical leader ... The ideal candidate brings deep credit union accounting knowledge, a command of regulatory ...

Summa

Financial Analyst

Rochester, NY

$80K - $100K/yr

Manage AR follow-ups, credit memos, and RMA processing * Assist with payroll reconciliations ... Partner with Sr. Financial Analyst and operations teams on cost and performance insights ...

Northwest

Sr. Middle Market Banker

Webster, NY

$180K - $210K/yr

The Sr. Middle Market Banker is also responsible for managing a portfolio of relationships ... Analyze financial statements and related credit material to stay apprised of client performance and ...

Global Payment Holding Co

Data Analyst

Rochester, NY · On-site

... credit, debit, prepaid and merchant services. Our worldwide team helps over 3 million companies ... Supports interdepartmental relationships with users throughout the organization, including senior ...

King's Daughters

Financial Analyst

Pavilion, NY

... escalating to senior management. * Collaborate with cross-functional teams to integrate new ... Volunteer work and internships for academic credit are not counted. An equivalent combination of ...

next page

Showing results 1-20

All JobsCredit Analyst JobsSenior Credit Analyst JobsSenior Credit Analyst Jobs in Rochester, NY

Senior Credit Analyst information

See Rochester, NY salary details

$48.9K

$93.1K

$171.8K

How much do senior credit analyst jobs pay per year?

As of Aug 6, 2026, the average yearly pay for senior credit analyst in Rochester, NY is $93,073.00, according to ZipRecruiter salary data. Most workers in this role earn between $68,100.00 and $98,700.00 per year, depending on experience, location, and employer.

Do senior credit analysts make a lot of money?

Senior credit analysts typically earn higher salaries than entry-level analysts, with median annual pay ranging from $70,000 to $100,000 depending on experience, location, and industry. They often receive bonuses and benefits, and advanced skills in financial analysis and credit risk assessment can lead to higher compensation.

What are the key skills and qualifications needed to thrive as a senior credit analyst, and why are they important?

To thrive as a Senior Credit Analyst, you need expertise in financial analysis, risk assessment, and a solid understanding of accounting principles, typically supported by a bachelor’s degree in finance or a related field. Familiarity with financial modeling software, credit risk management systems, and possibly certifications such as CFA or FRM are highly valuable. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These competencies are critical to making sound credit decisions, minimizing risk, and supporting the financial health of the organization.

What does a senior credit analyst do?

A senior credit analyst assesses the financial risk of providing a loan or line of credit to a client. As a credit analyst, you work for a commercial bank or other lending institution. Your duties are to analyze financial data, access client information from other companies, and coordinate with the marketing team about loan targets. Qualifications for a career as a senior credit analyst include a bachelor’s degree in economics, accounting, or statistics, and several years of experience working in credit analysis or the actuarial field. Since this is a senior position, you must work your way up from junior. Other skills useful for the job include strong mathematics and organizational skills.

What are some common challenges senior credit analysts face when evaluating complex credit portfolios?

Senior Credit Analysts often encounter challenges such as assessing the creditworthiness of clients with limited financial information, managing large and diverse portfolios, and keeping up with rapidly changing market and regulatory conditions. Additionally, they must balance risk mitigation with supporting business growth, which requires close collaboration with relationship managers, risk officers, and senior management. Staying updated on industry trends and employing advanced analytical techniques are essential to effectively address these complexities.

What is a senior credit analyst?

Senior Credit Analysts are finance professionals who assess the creditworthiness of individuals, companies, or securities. They analyze financial statements, market trends, and other data to evaluate the risk of lending money or extending credit. Senior Credit Analysts often work in banks, investment firms, or credit rating agencies and may have supervisory responsibilities, guiding junior analysts and making recommendations on large or complex credit decisions. Their expertise helps organizations make informed lending and investment choices while managing risk.

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

AspectSenior Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, often CFA or CPA, experience in credit analysisBachelor's degree, relevant certifications optional
Work EnvironmentFinancial institutions, corporate credit departmentsBanks, lending firms, credit agencies
Employer & Industry UsageUsed in banking, investment, and corporate finance sectorsCommon in banking and lending industries
Comparison Search IntentUnderstanding seniority and responsibilitiesEntry to mid-level credit analysis roles

The main difference between a Senior Credit Analyst and a Credit Analyst lies in experience, responsibilities, and qualifications. Senior Credit Analysts typically have more experience, advanced certifications, and handle more complex credit assessments. Credit Analysts are often entry-level or mid-level roles focusing on initial credit evaluations. Both roles are vital in financial institutions, but the senior position involves greater decision-making authority and oversight.

More about Senior Credit Analyst jobs
What are the most commonly searched types of Credit Analyst jobs in Rochester, NY? The most popular types of Credit Analyst jobs in Rochester, NY are:
What are popular job titles related to Senior Credit Analyst jobs in Rochester, NY? For Senior Credit Analyst jobs in Rochester, NY, the most frequently searched job titles are:
What cities near Rochester, NY are hiring for Senior Credit Analyst jobs? Cities near Rochester, NY with the most Senior Credit Analyst job openings:
Senior Credit Analyst jobs near you
Infographic showing various Senior Credit Analyst job openings in Rochester, NY as of July 2026, with employment types broken down into 75% Full Time, 16% Part Time, and 9% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $93,073 per year, or $44.7 per hour.

Commercial Credit Senior Analyst

M&T Bank

Rochester, NY • On-site

Full-time

Posted 20 days ago

M&T Bank rating

7.8

Company rating: 7.8 out of 10

Based on 185 frontline employees who took The Breakroom Quiz

89th of 170 rated banks

Job description

Overview:
A member of the Commercial Credit team that partners with senior team members supporting the duties of underwriting and the on going monitoring of a portfolio of credit relationships. Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients.
Primary Responsibilities:
  • Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions.
  • Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
  • Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.
  • Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
  • Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
  • As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
  • Partner proactively with relationship managers (RM) and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial / projection models designed to sensitize various conditions impacting the proposed transaction.
  • Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
  • Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
  • Prepare summary, present facts, and offers opinions concerning credit-worthiness.
  • Present analysis or address questions during credit request discussions or committee presentations.
  • Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
  • Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
  • Promote an environment that supports belonging and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.

Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
The position interacts with commercial banking relationship managers throughout the bank's footprint and industry verticals as well as other internal personnel on credit approvals.
Customer interaction is expected.
Works independently with limited supervision.
Supervisory/Managerial Responsibilities:
N/A
Education and Experience Required:
Bachelor's degree in Accounting, Finance, Economics or related field and 2 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis. In lieu of a degree, a combined minimum 6 years' higher education and work experience to include 2 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics.
Strong verbal and written communication skills.
Critical thinking and problem-solving abilities.
Attention to detail with a high level of accuracy.
Strong organizational and time management skills.
Ability to work independently and as a part of a team.
Customer focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Education and Experience Preferred:
Experience with Capital IQ, FactSet, and Bloomberg preferred.
#LI-LA1
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,600.00 - $119,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Rochester, New York, United States of America

What M&T Bank employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply