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**
Cualificado 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

📌 Banamex - Responsable De Administración Integral De Riesgos De Seguros Y Pensiones (Xico)
🏢 Citi
📍 Xico