.The Credit Risk Group Manager is accountable for management of complex/critical/large professional disciplinary areas. Leads and directs a team of professionals. Requires a comprehensive understanding of multiple areas within a function and how they interact in order to achieve the objectives of the function. Applies in-depth understanding of the business impact of technical contributions. Strong commercial awareness is a necessity. Generally accountable for delivery of a full range of services to one or more businesses/geographic regions. Excellent communication skills required in order to negotiate internally, often at a senior level. Some external communication may be necessary. Accountable for the end results of an area. Exercises control over resources, policy formulation and planning. Primarily affects a sub-function. Involved in short- to medium-term planning of actions and resources for own area. Full management responsibility of a team or multiple teams, including management of people, budget and planning, to include performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.Responsibilities: Provides 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 risk, process trends and training needs within the body of underwriting work completed each month. Calibrates variances with front-end Quality Assurance and the Department of Housing & Urban Development 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 macrolevel, across all mortgage channels. Performs other duties and functions as assigned.Appropriately assess 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 supervise the activity of others and create accountability with those who fail to maintain these standards
