Credit Risk Management Analyst Sr-Principal

Job Posting End Date

01-15-2026

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, mostly working autonomously, including but not limited to supporting all AEP business units with complex transactions, and is responsible for determining the financial ability of AEP’s counterparties to deliver contracted products and services and meet payment obligations, negotiation of credit provisions for master agreements, and lead guaranty negotiation, execution, and maintenance to ensure best possible guaranty coverage.

Job Description

Where Putting the Customer First Powers Everything We Do!

At AEP, we’re more than just an energy company — we’re a team of dedicated professionals committed to delivering safe, reliable, and innovative energy solutions. Guided by our mission to put the customer first, we strive to exceed expectations by listening, responding, and continuously improving the way we serve our communities. If you're passionate about making a meaningful impact and being part of a forward-thinking organization, this is the company for you!

Credit Risk Management Analyst Senior (Salary Grade 7)

Credit Risk Management Analyst Principal (Salary Grade 8)

What You'll Do:

Mitigate credit risks to preserve revenues and avoid losses while facilitating business opportunities on a mostly autonomous basis and for 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 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.

Supervision:

- Supervise, train, and assist in the coaching and development of the margin desk personnel and others and provide input for mid-year and annual performance reviews.

- Provide guidance and coaching to junior analysts with respect to decision-making, counterparty reviews, and financial reporting.

RTOs:

- Actively participate through credit working groups to influence credit policies, optimize benefits for the Company, and inform appropriate stakeholders of pertinent developments.

Other:

- Recommend and Implement strategies to improve processes and systems to assess, measure, and monitor credit risk.

What We're Looking For:

Credit Risk Management Analyst Senior (Salary Grade 7)

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

Experience: Minimum five (5) years total work experience in addition to any experience noted above.

Credit Risk Management Analyst Principal (Salary Grade 8)

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

Experience: Minimum of seven (7) years of work experience in addition to any experience identified 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.

- Project leadership and multi-tasking skills.

What You'll Get:

This single vacancy is posted in a range. Please note that Education and/or relevant Experience will be used to determine the appropriate salary and salary grade.

Credit Risk Management Analyst Senior (Salary Grade 7)

$93,000.00-$103,000.00 (USD)

Credit Risk Management Analyst Principal (Salary Grade 8)

$113,000.00-$123,000.00 Annually (USD)

In addition to a competitive compensation, AEP offers a unique comprehensive benefits package that aims to support and enhance the overall well-being of our employees.

Compensation Data

Compensation Grade:

SP20-008

Compensation Range:

$87,633.00 - $128,688.00

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.