عن الوظيفة
Role DescriptionWe are seeking a detail-oriented and analytical Risk Analyst / Credit Risk Analyst to evaluate financial risks, assess creditworthiness, and provide data-driven recommendations to support sound business and lending decisions. This role is responsible for analyzing financial information, monitoring risk exposure, developing risk assessments, and ensuring effective risk management practices.
The ideal candidate has strong analytical abilities, financial knowledge, and a commitment to maintaining risk control and business sustainability.
Key responsibilities include
- Analyze financial data, credit information, and business performance indicators to assess risk exposure.
- Evaluate credit applications, financial statements, payment histories, and relevant documentation to support credit decisions.
- Conduct credit risk assessments and provide recommendations based on risk analysis and established policies.
- Monitor customer accounts, portfolio performance, and risk trends to identify potential issues.
- Prepare risk reports, credit analysis summaries, dashboards, and management presentations.
- Perform financial modeling, scenario analysis, and risk forecasting to support decision-making.
- Identify potential credit, operational, market, and financial risks and recommend mitigation strategies.
- Review and improve risk assessment processes, policies, and analytical frameworks.
- Collaborate with finance, compliance, lending, sales, operations, and business teams to support risk management objectives.
- Monitor industry trends, economic conditions, regulatory changes, and market developments that may impact risk exposure.
- Conduct portfolio analysis to identify risk patterns, concentration risks, and opportunities for improvement.
- Maintain accurate risk documentation, analysis records, and reporting databases.
- Support internal audits, compliance reviews, and risk governance activities.
- Ensure risk assessments align with organizational policies, regulatory requirements, and industry standards.
- Utilize data analysis tools and risk management systems to improve efficiency and accuracy.
- Stay informed about financial technologies, analytics tools, credit scoring methods, and emerging risk management practices.
- Contribute to continuous improvement initiatives that strengthen risk management processes and business resilience.
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, Mathematics, Statistics, Data Analytics, or a related field.
- Strong understanding of credit analysis, financial risk management, lending principles, and financial markets.
- Knowledge of financial statements, cash flow analysis, credit evaluation methods, and risk assessment techniques.
- Familiarity with credit scoring models, risk frameworks, financial databases, and reporting tools.
- Proficiency in Microsoft Excel and financial analysis tools; knowledge of SQL, Python, or data analytics platforms is an advantage.
- Understanding of regulatory requirements, compliance standards, and risk management practices.
- Strong analytical, quantitative, and problem-solving skills.
- Ability to interpret complex financial data and provide clear, actionable recommendations.
- Excellent written, verbal, and presentation communication abilities.
- Strong attention to detail with a commitment to accuracy, confidentiality, and data integrity.
- Ability to manage multiple priorities and deliver high-quality analysis within deadlines.
- Ability to work independently while collaborating effectively with cross-functional teams.
- Strong organizational skills and a proactive approach to identifying potential risks.
- Adaptability and willingness to learn new risk technologies, analytical methods, and industry practices.
- Professional attitude with integrity, accountability, and sound judgment.
- Commitment to supporting responsible decision-making, effective risk management, and long-term business stability.
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مصدر الوظيفة: صفحة التوظيف الرسمية لصاحب العمل.
