The Operational Risk Specialist 5 performs relatively complex assignments. Has direct impact on the business by ensuring the quality of the tasks or services provided. Works under little to no direct supervision. May service an expansive and/or diverse array of products/services. Applies working knowledge of technical and professional principles and concepts and in depth knowledge of team objectives. Understands how assigned duties contribute to the work of the team/unit and how the units coordinate their efforts and resources to achieve the objectives of the function. Ensures the quality and service of self and others. May recommend new options to enhance productivity in accordance with guidelines. Requires tact and diplomacy when exchanging complex or sensitive information with others. Is sensitive to audience diversity. Basic knowledge of the organization, the business and its policies required. Typically responsible for resolving basic to moderately complex problems based on practice and precedence. Able to assess applicability of similar experiences and evaluate options under circumstances not covered by procedures.

Responsibilities:

• Participates in the application of operational risk policies, technology and tools, and governance processes to create lasting solutions for minimizing losses from failed internal processes, inadequate controls, and emerging risks.
• Contributes to risk assessments and drives actions to address the root causes that persistently lead to operational risk losses by challenging both historical and proposed practices.
• Provides governance and oversight may include (not limited to) technology operational risk, risk for example.
• Tracks and resolves risk issues
• Identifies system or process weaknesses, proposing resolutions that will mitigate the exposure and increase processing efficiency
• Integrates other control functions to ensure all risks are fully scrutinized
• Identifies risks that cross the businesses and organizing cross-functional solutions
• 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.

Qualifications:

• Excellent written and verbal communication skills Ability to perform under pressure Ability to manage multiple tasks and priorities Ability to function independently. Proficient in MS Office Word, Excel and PowerPoint applications

Education:

• High School diploma or equivalent

-Review appraisals to determine acceptability using established review form and identify potential appraisal issues for correction and/or escalation.

-Concisely document non-value related issues and desired corrective action steps to be taken by the Appraisal Management Companies.  Confirm all received corrections properly address all identified issues.

-Document potential value related concerns for purposes of escalation to the next level reviewer.

-Maintain expected production and quality goals while managing a pipeline of new appraisal reviews and outstanding non-value related conditions to ensure reviews are completed within established SLA's so as not to impact the originations process.

-Handles property issues concerning zoning, property type, property eligibility, condition, or guidelines.

Qualifications:

-Prior real estate, appraisal, and/or underwriting experience required

-Understanding of mortgage processes & systems preferred.

-Demonstrated knowledge/skills with the various mortgage systems used within Originations & Default is strongly desired. Experience with Microsoft Office Suite is preferred (PowerPoint and Excel).

-Strong time management skills with the ability to multi-task, organize and prioritize.  Ability to manage a pipeline is required.

-Strong written and verbal communication skills are required, with the ability to clearly communicate issues found during the appraisal review.

-Ability to clearly communicate with all levels of the organization.

-Possess a results driven attitude and is committed to producing a superior quality work product

-Ability to work with a sense of urgency.

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