Credit Risk Management Analyst

Socket.dev; Kentucky; On-site; USD 83,000 - 93,000; Full time

Job summary

American Electric Power (AEP) is seeking a credit risk professional to administer our enterprise risk management credit policy under supervision, supporting moderately complex transactions and assessing the financial ability of counterparties to deliver contracted products and services.

You will monitor limits, analyze counterparties, negotiate master agreements and collateral, and prepare risk reports for risk committees, helping to ensure strong guaranty coverage and prudent credit risk

Qualifications

• Bachelor's degree in Finance or Accounting or equivalent experience.
• Strong analytical and financial assessment capabilities.
• Proficient in Excel, PowerPoint and data systems; able to manage multiple tasks.

Responsibilities

• Perform initial and ongoing quantitative and qualitative analysis of counterparties to establish monetary limits and internal ratings.
• Monitor limits, tenor limits, and ratings for counterparties and assess industry impact.
• Prepare credit risk reports for risk committees and leadership.
• Negotiate credit provisions for master agreements and collateral documents.

Skills

Excel

PowerPoint

Database tools

Communication skills

Multitasking

Commodity knowledge

Education

Bachelor's in Finance or Accounting

Associates in Finance or Accounting + 2 years experience

Tools

SQL

Job description

Job Posting End Date

09-30-2026

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

Where Putting the Customer First Powers Everything We Do!

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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It is hereby reaffirmed that it is the policy of American Electric Power (AEP) to provide Equal Employment Opportunity in all respects of the employer-employee relationship including recruiting, hiring, upgrading and promotion, conditions and privileges of employment, company sponsored training programs, educational assistance, social and recreational programs, compensation, benefits, transfers, discipline, layoffs and termination of employment to all employees and applicants without discrimination because of race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, veteran or military status, disability, genetic information, or any other basis prohibited by applicable law. When required by law, we might record certain information or applicants for employment may be invited to voluntarily disclose protected characteristics.