When the Smith School's Cliff Rossi was chief risk officer for Citigroup's Consumer Lending Division, few people understood the role. Things have changed since then. Rossi explains the evolution and what's next.

With three or four Fed rate hikes anticipated in 2018, mortgage rates will edge higher. But the borrowing environment will remain favorable, Smith School professor Clifford Rossi says. He takes a look at the housing market as we head into a new year.