Green Card Credit Analyst Jobs
Credit Analyst roles at U.S. banks, credit unions, and financial institutions qualify for EB-2 and EB-3 green card sponsorship through the PERM labor certification process. Employers file on your behalf, permanently anchoring your status rather than cycling through annual visa renewals. Financial services firms with active PERM histories are your strongest sponsorship targets.
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Responsible for the quality and efficiency of the underwriting for Business Banking. Interacts on a daily basis with the Credit teams and sales partners regarding the underwriting of Business Banking loan requests.
Primary Responsibilities:
- Responsible for the day to day activities of a team of Underwriters and/or Portfolio Managers to include the quality and efficiency of the underwriting
- Serve as the point person for work requests, prioritizes and assigns work, and monitors work flow
- Support various segments in terms of credit functions
- Manage/Support the sales override process
- Oversee the training of new underwriters and/or portfolio manager as required
- Provides ongoing training to the department
- Develop training materials and various forms
- Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed
- Coordinate updates to the divisional processes and policies, writes procedures and develops analysis templates as needed
- Resolve any policy, procedure, accounting or credit issues that occur
- Participate in various Departmental projects associated with the Credit Function
- Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits
- Exercise the usual authority as manager concerning staffing, performance appraisals, salary recommendations, promotions, hiring, terminations, performance management, and training, coaching and mentoring
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
- 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
Supervisory/Managerial Responsibilities:
Supervises and mentors a team (up to 7), comprised of credit staff, portfolio managers, and administrative staff.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, or related discipline and minimum of 5 years' commercial credit experience or relevant analytical with a strong knowledge of accounting principles including 2 years coaching/training/mentoring or work leadership experience
OR in lieu of degree
a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years commercial credit experience with strong knowledge of accounting principles including 2 years' coaching/training/mentoring or work leadership experience.
Proficiency with personal computers and relevant software packages.
Education and Experience Preferred:
Proficiency with personal computers and relevant software packages.
Strong leadership skills and ability to motivate others.
Commitment to meeting the needs of both the internal and external customers of the department.
Excellent communication (verbal and written) and interpersonal skills.
Ability to maximize efficiency and maintain the consistent quality of the work produced by the credit analysis team.
Exhibit a strong work ethic and consistently meet deadlines.
Extensive knowledge of Bank's credit policies and procedures.
Prior experience in a sales role.
Compensation:
The pay range for this position is $89,600.00 - $149,300.00 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
Overview:
Responsible for the quality and efficiency of the underwriting for Business Banking. Interacts on a daily basis with the Credit teams and sales partners regarding the underwriting of Business Banking loan requests.
Primary Responsibilities:
- Responsible for the day to day activities of a team of Underwriters and/or Portfolio Managers to include the quality and efficiency of the underwriting
- Serve as the point person for work requests, prioritizes and assigns work, and monitors work flow
- Support various segments in terms of credit functions
- Manage/Support the sales override process
- Oversee the training of new underwriters and/or portfolio manager as required
- Provides ongoing training to the department
- Develop training materials and various forms
- Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed
- Coordinate updates to the divisional processes and policies, writes procedures and develops analysis templates as needed
- Resolve any policy, procedure, accounting or credit issues that occur
- Participate in various Departmental projects associated with the Credit Function
- Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits
- Exercise the usual authority as manager concerning staffing, performance appraisals, salary recommendations, promotions, hiring, terminations, performance management, and training, coaching and mentoring
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
- 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
Supervisory/Managerial Responsibilities:
Supervises and mentors a team (up to 7), comprised of credit staff, portfolio managers, and administrative staff.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, or related discipline and minimum of 5 years' commercial credit experience or relevant analytical with a strong knowledge of accounting principles including 2 years coaching/training/mentoring or work leadership experience
OR in lieu of degree
a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years commercial credit experience with strong knowledge of accounting principles including 2 years' coaching/training/mentoring or work leadership experience.
Proficiency with personal computers and relevant software packages.
Education and Experience Preferred:
Proficiency with personal computers and relevant software packages.
Strong leadership skills and ability to motivate others.
Commitment to meeting the needs of both the internal and external customers of the department.
Excellent communication (verbal and written) and interpersonal skills.
Ability to maximize efficiency and maintain the consistent quality of the work produced by the credit analysis team.
Exhibit a strong work ethic and consistently meet deadlines.
Extensive knowledge of Bank's credit policies and procedures.
Prior experience in a sales role.
Compensation:
The pay range for this position is $89,600.00 - $149,300.00 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
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Get Access To All JobsTips for Finding Green Card Sponsorship as a Credit Analyst
Document your financial credentials before applying
Gather transcripts, CFA or CPA certifications, and translated degree equivalency evaluations early. PERM requires your employer to verify your qualifications match the job requirements, and gaps in credential documentation are a common cause of delays.
Target banks with active PERM filing histories
Regional banks, commercial lenders, and credit rating firms that have filed PERM applications for Credit Analyst roles before are far more likely to sponsor again. Filter employers by prior PERM activity using DOL disclosure data rather than relying on job posting language alone.
Understand EB-2 versus EB-3 classification for your background
A master's degree in finance or economics typically supports EB-2 classification, which can shorten your priority date wait for most countries. A bachelor's degree with several years of credit analysis experience usually qualifies under EB-3 as a skilled worker.
Search for green card sponsoring roles through Migrate Mate
Filter Credit Analyst positions by employers with verified PERM sponsorship histories using Migrate Mate. This cuts time spent cold-applying to firms that have never sponsored, focusing your search on employers already familiar with the PERM filing process.
Negotiate PERM filing timing before accepting an offer
Ask your employer when they plan to initiate the PERM process after your start date. Some employers wait 12 months before filing; others begin sooner. Getting clarity on this timeline before you sign protects you from unexpectedly long waits before your green card case is even open.
Confirm the prevailing wage before your employer files the LCA
Your employer must pay at or above the DOL prevailing wage for your Credit Analyst role and location. Use the OFLC Wage Search to look up wage levels for your SOC code before your offer is finalized, so there are no surprises when USCIS reviews the I-140 petition.
Green Card Credit Analyst: Frequently Asked Questions
Do Credit Analyst roles typically qualify for EB-2 or EB-3 green card sponsorship?
Both categories apply depending on your education. If you hold a master's degree in finance, economics, or a closely related field, your employer can sponsor you under EB-2. A bachelor's degree with substantial credit analysis experience typically qualifies under EB-3 as a skilled worker. The degree field and job duties both factor into which category your employer files under, so confirm the classification with your employer before PERM begins.
How does green card sponsorship differ from H-1B for Credit Analyst roles?
H-1B visa is temporary and subject to an annual lottery cap, meaning your authorization can run out and isn't guaranteed year to year. PERM-based green card sponsorship has no lottery, no annual cap at the EB-3 level for most countries, and leads to permanent residency rather than a renewable nonimmigrant status. The tradeoff is timeline: the PERM process typically takes one to three years before you receive your green card, compared to H-1B approval in a few months.
What does the PERM labor certification process look like for a Credit Analyst position?
Your employer files a PERM application with DOL, demonstrating through a regulated recruitment process that no qualified U.S. worker was available for the role. This recruitment phase usually takes three to six months. If DOL certifies the application, your employer files an I-140 immigrant petition with USCIS. Once that's approved and your priority date is current, you can file for adjustment of status or apply for an immigrant visa at a U.S. consulate.
Which employers are most likely to sponsor green cards for Credit Analysts?
Use Migrate Mate to search Credit Analyst roles filtered by employers with documented PERM sponsorship histories. Regional and national banks, commercial lending institutions, and credit rating agencies tend to sponsor most frequently. Employers that have already navigated the PERM process for similar roles are more likely to have internal HR infrastructure in place, which speeds up your own case and reduces the risk of the employer withdrawing support mid-process.
Can I change employers after my employer files my PERM application?
Switching employers before your I-140 is approved restarts the entire PERM process with your new employer. After your I-140 is approved and your priority date has been pending for 180 days or more, portability rules under AC21 allow you to move to a new employer in the same or similar occupational classification without losing your priority date, provided your adjustment of status application is already pending.