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Credit Analyst II
AmeriCU Credit Union
IT
Rome, NY, USA · Black River, NY, USA
USD 59,590.97-74,488.71 / year
Posted on Apr 8, 2026
Credit Analyst II
This position will allow for remote work but does require travel to Rome, NY as needed
Location: Rome, NY (This position will allow for remote work but does require travel to Rome, NY as needed)
Starting Pay: $59,590.97 to $74,488.71 annually, actual rate will depend on experience.
Starting Pay: $59,590.97 to $74,488.71 annually, actual rate will depend on experience.
Who We Are
At AmeriCU, we’re not your typical financial institution. We’re a not‑for‑profit credit union with over $3 billion in assets, serving 170,000+ members across Central New York and beyond. For over 75 years, AmeriCU has stayed true to its core values, placing people at the heart of every decision — our members, our employees, and our community.
We're proud to be recognized as one of the Best Companies to Work for in New York State (2025) and named by American Banker as one of the top credit unions to work for nationwide!
If you’re looking for a place where your career can grow and your work has real impact — you’re in the right place.
The Opportunity
The Credit Analyst II plays a key role in supporting sound credit decision-making by performing in-depth financial analysis of commercial borrowers and contributing to portfolio risk management. This position partners closely with Credit, Lending, Risk, and IT teams to enhance credit tools, analytics, and processes while ensuring alignment with organizational risk appetite and regulatory expectations.
What You’ll Do
Commercial Credit Analysis
- Perform financial analysis of commercial borrowers, including cash flow, trend analysis, and risk assessment
- Complete timely annual credit reviews and prepare clear, supported credit recommendations
Underwriting & Credit Risk Support
- Support sound credit decision-making in alignment with lending policies, risk appetite, and regulatory guidance
- Provide analytical support for complex or higher-risk credit relationships, including secondary reviews as needed
Credit Tools & Systems
- Utilize and support commercial credit underwriting and financial spreading systems
- Assist with system testing, enhancements, and process improvements to increase efficiency and consistency
Portfolio Analytics & Reporting
- Develop and maintain portfolio monitoring reports and dashboards
- Analyze trends related to risk ratings, concentrations, covenant compliance, and exceptions
- Support stress testing, scenario analysis, and portfolio-level risk assessments
Data Integrity & Compliance
- Ensure the accuracy, consistency, and integrity of credit and portfolio data
- Assist with portfolio reviews, audits, and regulatory examinations
Collaboration & Continuous Improvement
- Partner with Credit, Commercial Lending, Risk, and IT teams to improve credit processes and controls
- Contribute to documentation, training, and continuous improvement initiatives
- Perform other related duties as assigned
Grow Your Career With Us!
Whether you’re building your career or expanding it, AmeriCU offers professional development, mentorship, and opportunities to advance. Our team values integrity, community impact, and excellent service — and we love helping employees build meaningful careers.
Benefits You’ll Love
- Competitive Medical, Dental & Vision coverage
- Generous Health Savings Account contribution (with HDHP enrollment)
- Paid Holidays
- Paid Time Off — Personal, Sick, and Birthday Time Off
- Employee Appreciation Events
- 401(k) with employer match (after 1 year of service)
- Employee Assistance Program
- Tuition Reimbursement for full‑time employees (after 1 year of service)
- Life Insurance & AD&D for full‑time employees at no cost
- Enhanced Short‑Term Disability at no cost to you
Want to See What Makes AmeriCU Special?
Learn more about how we support our communities and why people love working here:
https://www.americu.org/in-our-community
https://www.americu.org/in-our-community