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.
*qualifications*:
- 10+ years relevant experience
- exercises highly effective people management and leadership skills
- must have proven analytical skills and the ability to assimilate complex information.
- must be able to clearly communicate the impact of such information on organizational risk.
- excellent written and oral communication skills as well as presentation skills are required
*education*:
- bachelor's/university degree, master's degree preferred
this job description provides a high-level review of the types of work performed.
other job-related duties may be assigned as required.
la función principal del responsable de la unidad de administración integral de riesgos (uair) de las compañías de seguros y pensiones banamex, consiste en supervisar, gestionar, medir, controlar, mitigar e informar de todos los riesgos a los que las compañías están expuestas, incluidos aquellos que no son cuantificables.
esta supervisión de riesgos tiene como objetivo garantizar que las operaciones de la institución se lleven a cabo dentro del marco de riesgos aprobado por su junta directiva y en cumplimiento con las políticas regulatorias y corporativas.
el responsable de la unidad de administración integral de riesgos de las compañías de seguros y pensiones tiene los siguientes objetivos principales:
- supervisión de riesgos (monitorear, gestionar, definir, mitigar y controlar) de las siguientes familias de riesgos:
- riesgo global (requisitos de capital de solvencia/optimización de capital):
- riesgo de mercado: var, cvar, dv01
- riesgo de liquidez:
- desajustes entre activos y brechas de capacidad (en español "calce"):
- riesgo crediticio: rwa, pd, lgd, eld riesgo de suscripción:
- optimización de capital como requisitos de capital de solvencia: í
- revisión de métricas de embedded value
*líneas de reporte*
el responsable de la unidad de administración integral de riesgos reporta directamente al ceo y al consejo de administración.
*experiência y habilidades*
profesional estratégico (10+ años de experiência) con amplios conocimientos y experiência en gestión de riesgos en instituciones financieras, contabilidad financiera y gobierno corporativo.
conocimiento del marco regulatorio local de seguros.
trabajo en equipo, desarrollo de personas y orientación a resultados.
liderazgo para trabajar en equipos multitarea a nível local y global.
*gobierno corporativo*
- este puesto como director de la uair es exigido por la normativa local
- secretario y coordinador del comité de riesgos
- miembro de los comités riesgo y control
- invitado de los comités de inversiones y reaseguro
*responsabilidades*
supervisión de riesgos