American Electric Power

Credit Risk Management Analyst

American Electric Power$83K — $93K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's Degree in Finance or Accounting, or Associates with 2 years of experience.
  • Minimum 3 years total work experience in finance or a related field.
  • High proficiency in Excel, PowerPoint, and database management tools.
  • Excellent oral and written communication skills.
  • Knowledge of commercial and commodity transactions is preferred.

Responsibilities

  • Mitigate credit risks while facilitating business opportunities.
  • Perform quantitative and qualitative analysis of counterparties.
  • Monitor limits and ratings for counterparties continuously.
  • Maintain data integrity in the credit risk system.
  • Negotiate credit provisions for master agreements.
  • Prepare credit risk reports for executive meetings and compliance.
  • Implement strategies to enhance credit risk assessment processes.

Benefits

  • Flexible work environment with potential for remote work.
  • Professional development opportunities and training programs.
  • Contributions to retirement plans and health benefits.
  • Employee wellness programs and resources.
Full Job Description
Job Posting End Date
08-17-2026
Please note the job posting will close on the day before the posting end date.

Job Summary

Administers the company's enterprise risk management credit policy under supervision, including but not limited to supporting all AEP business units for moderately complex transactions and is responsible for determining the financial ability of AEP'' counterparties to deliver contracted products and services and meet payment obligations, negotiation of credit provisions for master agreements, and guaranty negotiation, execution, and maintenance to ensure best possible guaranty coverage.

Job Description

What You'll Do:

Mitigate credit risks to preserve revenues and avoid losses while facilitating business opportunities under supervision and for moderately complex transactions.

Credit Analysis:
  • Perform initial and/or ongoing quantitative and qualitative analysis of customers, suppliers, or counterparties to establish monetary limits, tenor limits, and internal ratings in relation to the purchase or sale of services and commodities.


Portfolio Management:
  • Monitor monetary limits, tenor limits, and ratings for counterparties.
  • Monitor industry news to assess any relevant impact on counterparties and identify potential portfolio actions.
  • Perform margining and related tasks in a proficient manner.
  • Maintain data integrity within the credit risk system, including counterparty, contracts, collateral, ratings, and other pertinent information.
  • Judiciously manage and provide administration of collateral held or posted for counterparties, RTOs, or exchanges, including guarantees, cash, letters of credit, and surety bonds.


Reporting:
  • Prepare credit risk reports for risk committees, executive meetings, and financial reporting or compliance purposes.


Contracts:
  • Negotiate credit provisions for master agreements and supporting collateral documents, such as the collateral annex, guarantees, letters of Credit, netting agreements.


Other:
  • Recommend and Implement strategies to improve processes and systems to assess, measure, and monitor credit risk.


What We're Looking For:

Education: Bachelor's Degree, preferably in Finance or Accounting; (Or) Associates degree, preferably in Finance or Accounting with two (2) years of experience.

Experience: Minimum three (3) years total work experience in addition to any experience noted above.

Additional Expectations:

  • High level proficiency with Excel, PowerPoint, and database management tools/software.
  • Excellent written and oral communication skills.
  • Knowledge and/or experience in commercial and commodity transactions are desirable.
  • Multi-tasking skills.


What You'll Get:

Expected Salary Range: $83,000.00-$93,000.00/Year (USD)

Compensation Data

Compensation Grade:

SP20-006

Compensation Range:

$74,551.00 - $93,188.50

The Physical Demand Level for this job is: S - Sedentary Work: Exerting up to 10 pounds of force occasionally (Occasionally: activity or condition exists up to 1/3 of the time) and/or a negligible amount of force frequently. (Frequently: activity or condition exists from 1/3 to 2/3 of the time) to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time but may involve walking or standing for brief periods of time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.

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About American Electric Power

American Electric Power generates, transmits, and distributes electricity, serving residential, commercial, and industrial customers nationwide. AEP serves millions of customers across 11 states. It operates in the generation, transmission, and distribution of electricity, providing power to residential, commercial, and industrial customers. AEP generates electricity using diverse sources, including coal, natural gas, nuclear, and renewable energy like wind and solar. The company maintains a vast transmission network that delivers electricity from power plants to local distribution systems, ensuring a stable and reliable power supply. AEP is actively involved in renewable energy initiatives, investing in wind farms and solar facilities to diversify its energy portfolio and reduce its environmental impact. Additionally, the company engages in community outreach, supporting education, environmental conservation, and various social initiatives.

American Electric Power Careers

Join the dynamic team at American Electric Power (AEP), one of the largest electric utilities in the United States, and ignite your career with a company known for its commitment to innovation and leadership in the energy sector.

Opportunities Await

At AEP, we offer a multitude of job opportunities that cater to a variety of skills and professional interests. Whether you're seeking an entry-level position or a more senior role, our diverse range of employment options ensures that there's a place for every ambitious individual in our team.

Grow and Innovate

Embark on a journey of growth and professional development with AEP. Our company is at the forefront of the energy industry’s transformation, integrating sustainable and innovative practices that not only lead the market but also contribute to a greener planet. Engage in work that challenges the status quo, pushing the boundaries of what is possible in the energy sector.

Culture and Benefits

AEP is dedicated to fostering a culture of diversity and inclusion, where every team member’s contribution is valued. We offer competitive benefits that support the health, well-being, and financial security of our employees and their families. From comprehensive health benefits to professional development programs and diversity training, AEP ensures that our team is equipped for both personal and professional success.

Internship Programs

Kickstart your career with an AEP internship. Our programs provide invaluable industry experience and networking opportunities that pave the way for future employment. Interns at AEP work on real projects, learn from seasoned professionals, and gain the hands-on experience necessary to succeed in the fast-paced world of energy.

Leadership and Development

Leadership at AEP means more than guiding teams – it involves inspiring change and driving innovation. With leadership development programs, employees are prepared to take on challenging roles that shape the future of the company and the industry. Our focus on leadership and continuous improvement creates an environment where ambitious professionals can thrive.

Join Our Team

Explore the career possibilities at American Electric Power today. Search open positions that match your skills and interests. We are constantly hiring new talent and look for passionate, curious, and solution-driven team players. Prepare your resume, ace the interview, and join a company where your career can flourish.

Stay Connected

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Explore American Electric Power Jobs

Whether you're a seasoned professional or new to the industry, AEP offers a dynamic work environment where innovation, leadership, and growth are part of everyday life. Join us in powering a new and brighter future for everyone.
Learn more about American Electric Power
Size
16,688 employees
Market Cap
$48.8 billion
Industry
Net Income
$2.2 billion
Founded
1906
5 Year Trend
+0.5%
Revenue
$14.9 billion
NASDAQ

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