The Legal Editorial Daily تعلن عن وظيفة حارس في مكة جدة

We are seeking a detail-oriented and analytical Risk Analyst / Credit Risk Analyst to identify, evaluate, and monitor financial and operational risks while supporting sound business decisions and sustainable growth. This role is responsible for assessing creditworthiness, analyzing financial data, developing risk assessment models, and providing actionable insights that strengthen risk management frameworks and ensure compliance with internal policies and regulatory requirements.

The successful candidate will conduct comprehensive risk assessments by analyzing financial statements, credit reports, business performance, market conditions, and economic indicators. You will evaluate customer, corporate, and portfolio risk profiles, identify potential exposures, and recommend appropriate risk mitigation strategies that align with organizational objectives and risk appetite.

The role involves reviewing credit applications, performing financial ratio analysis, assessing cash flow, evaluating repayment capacity, and preparing credit recommendations based on quantitative and qualitative analysis. You will support credit approval processes by providing well-documented assessments, maintaining consistent evaluation standards, and ensuring objective decision-making.

You will monitor credit portfolios, identify emerging risks, analyze delinquency trends, and evaluate portfolio performance using key risk indicators and performance metrics. Responsibilities include conducting stress testing, scenario analysis, sensitivity analysis, and portfolio reviews to measure potential impacts under changing market conditions and economic environments.

The position requires developing and maintaining risk models, dashboards, and analytical reports that provide meaningful insights into credit quality, portfolio performance, and business risk exposure. You will collaborate with finance, lending, compliance, operations, internal audit, and senior management teams to support strategic planning, risk governance, and business decision-making.

You will assist in developing and improving risk management policies, credit assessment methodologies, internal controls, and monitoring procedures. Responsibilities also include ensuring compliance with regulatory standards, corporate governance requirements, and internal risk management frameworks while maintaining accurate documentation and audit readiness.

The role encourages continuous improvement through the adoption of advanced analytical tools, predictive modeling techniques, business intelligence platforms, and automation technologies that improve the efficiency and accuracy of risk analysis. You will stay informed about market developments, industry trends, regulatory updates, and evolving risk management practices to strengthen organizational resilience and support long-term financial stability.

• Strong understanding of risk management, credit analysis, financial analysis, and corporate finance principles.
• Knowledge of credit assessment methodologies, financial statement analysis, and lending risk evaluation.
• Familiarity with financial ratios, cash flow analysis, profitability analysis, liquidity assessment, and capital structure evaluation.
• Understanding of credit risk models, portfolio risk management, stress testing, scenario analysis, and sensitivity analysis.
• Knowledge of regulatory requirements, corporate governance, compliance standards, and internal control frameworks.
• Proficiency in Microsoft Excel, financial modeling, business intelligence tools, and data analysis software.
• Familiarity with SQL, reporting platforms, risk management systems, and analytical applications is advantageous.
• Strong analytical and quantitative skills with the ability to interpret complex financial and operational data.
• Ability to prepare comprehensive risk assessments, credit reports, executive summaries, and management presentations.
• Excellent problem-solving and critical thinking skills with a strong attention to detail and accuracy.
• Strong communication and interpersonal skills with the ability to present analytical findings clearly to technical and non-technical stakeholders.
• Ability to collaborate effectively with finance, operations, compliance, audit, and cross-functional business teams.
• Strong organizational and project management skills with the ability to manage multiple priorities and meet reporting deadlines.
• Commitment to maintaining confidentiality, professional integrity, and ethical standards in handling financial information.
• Ability to identify emerging risks, recommend mitigation strategies, and support continuous improvement initiatives.
• Adaptability to evolving regulatory environments, business requirements, and market conditions.
• Passion for continuous learning and staying current with financial markets, risk management methodologies, and analytical technologies.
• Professionalism, accountability, sound judgment, and dedication to supporting informed business decisions through effective risk analysis.