Senior Credit Risk Manager

hace 1 mes


Monterrey, Nuevo León, México 09516 Banco Nacional de Mexico, S.A., integrante del Grupo Financiero Banamex A tiempo completo
Job Summary:

The Senior Credit Risk Manager is responsible for managing multiple teams through other managers, ensuring a thorough understanding of how their sub-function contributes to achieving the objectives of the function. They must have a good understanding of the industry, direct competitors' products and services, and be able to contribute to the commercial objectives of the business. The ideal candidate will have a solid conceptual and practical grounding in both the function and/or area of expertise and related subject areas. Excellent communication skills are required to negotiate internally, often at a senior level, and some external communication/negotiation may be necessary. The Senior Credit Risk Manager is accountable for executing functional strategy in their area, determining the approach to implementing functional strategy, and being responsible for end results, budgeting, planning, policy formulation, and contribution to future strategy of the area(s).

Key Responsibilities:
  • Provides thorough credit risk management across all mortgage channels by reporting on underwriter performance.
  • Manages teams that deliver a consistent, goals-oriented 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 front-end 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 front-end 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.
  • Appropriately assesses risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets, by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct, and business practices, and escalating, managing, and reporting control issues with transparency, as well as effectively supervising the activity of others and creating accountability with those who fail to maintain these standards.

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
  • Demonstrates 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.

Wholesale SCO (Banca de Empresas/Corporativa) credit authority or equivalent from an external bank is of most importance

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