Credit Portfolio Sr Group Manager - Ciudad de México - Citi

Citi

Empresa verificada

Ciudad de México

hace 3 semanas

Publicado por:

Rodrigo Fernández

Reclutador de talento para beBee

Descripción

Responsibilities:

Provides thorough credit risk management across all mortgage channels by reporting on underwriter performance.
Manages teams that deliver a consistent, goals and sophisticated process of underwriter review.
Identifies credit risks, processes trends and training needs within the body of underwriting work completed each month.
Appropriately calibrates variances with frontend Quality Assurance (QA) and Department of Housing and Urban Development (HUD) requirements.
Assures precise and adequate sampling of underwriters' work to make accurate assessments of underwriter

- decision making.

Evaluates the process of underwriter performance review to encapsulate all relevant decision making and

- calculations in the review.

Provides for competent discourse of rebuttals to variances and quick resolution of risk issues in loan originations.
Partners with frontend QA to provide seamless quality checks on all mortgage originations and correspondent

- fundings.

Identifies measures and reports on complex underwriting issues at the individual underwriter level and the macro level, across all mortgage channels.
Performs other duties and functions as assigned.

Qualifications:

15+ years relevant experience
Must have credit operations background and senior management experience in a large, high volume underwriting center.
Exercises effective people management skills
Demonstrate advanced analytical skills and the ability to assimilate complex information.
Must be able to clearly communicate the impact of such information on organizational risk.
High level of accuracy and sound methodologies are required
Excellent written and oral communication skills as well as presentation skills are required.

Education:

Bachelor's/University degree, Master's degree preferred and managerial experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

The Credit Portfolio Senior Group Manager is a senior position responsible for managing and monitor the Citi Global Wealth (CGW) credit portfolio and identify credit migration in coordination with the broader Risk Management organization.

The overall objective of this role is to lead the management of Citi Global Wealth portfolio exposure to client and counterparties within the assigned geographic scope; along with maintaining the overall control environment in line with established policies, processes, and procedures.

Responsibilities:

Manage subregional and other key Risk reviews including assessment of quality of assigned portfolios (primarily but not limited to
Mexico CGW), product programs including identification and evaluation of emerging risks, effectiveness of control processes and applicable performance metrics.
Assess effectiveness of the credit risk processes, controls (including Mexico CGW cross border exposure), assigned product programs and standards of assigned entities to promote leading practices and identify opportunities for improvements.
Interact, review and provide credible challenge to the Business (Banking team, Credit Underwriters, Portfolio Managers) on client credit requests; while negotiating acceptable solutions to progress the business as applicable in wholesale credit, taking into consideration all aspects of credit decision including applicable policies, quantitative and qualitative factors.
Review and assess the appropriateness, completeness and usage trends of the credit risk components for the assigned portfolios
Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
Analyze credit risk and provide credit recommendations and guidance to senior risk managers
Analyze transactions and assist in structuring transactions to contain Citi's credit risk within acceptable parameters
Conduct internal and external oversight reviews and coordinate/engage with applicable Operating and Governance Committee
Produce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standing

Qualifications:

15+ years of relevant experience
Experience in people management
Comprehensive understanding of the industry and direct competitors' products and services
Comprehensive understanding of strategic direction of the function
Senior Credit Officer designation is preferred or demonstrable ability to complete requirements and progress to award of that designation within acceptable timeframe
Fluent (verbal and written communication) in both English and Spanish preferred

Education:

Bachelor's degree/University degree or equivalent experience. Field of study in Risk Management, Finance, Economics, Business or similar
Master's degree preferred

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type: