Description:
Job Description Summary: What you need to know about the role: We are looking for an experience professional who is familiar with financial analysis, commercial and/or credit underwriting and possesses strong business acumen and written and verbal communication skills. Meet Out Team: As a Credit Underwriter 2, you will join PayPal’s Commercial Underwriting Americas team. You will partner with your teammates and other business stakeholders to ensure that risk to PayPal and its merchants are mitigated.
Job Description:
Your way to impact:
- Develop a holistic view of both individual sellers and merchants across industries by proposing appropriate recommendations to mitigate PayPal’s risk and
manage seller experience.
- Maintain up-to-date, accurate, and thorough documentation of audit trails, underwriting assessments, reports, methodologies, etc.
- Assess PayPal acceptable use cases, regulatory & credit
card compliance, and legal considerations with respect to a seller or industry.
- Stay current on merchant industry trends that impact the Commercial Merchant segment. Mentor and coach teammates and peers in work quality, deliver quality
assessments, and help develop skills. Review teammates work and provide signoff for decisions within authority
level.
- Support, mentor, and guide new and current analyst to ensure competency and knowledge of workflows and best practices.
In your day to day role you will
- Analyze a wide range of financial, bank, processing, and external & internal data.
- Review business models, credit scores, and peer comparisons to assess credit worthiness and risk to PayPal’s operations.
- Monitor seller performance across portfolio segments.
- Aid in the continuous improvement of PayPal processes and workflows by evaluating and sharing feedback on data, tools, processes, assessments, and other
methodologies.
- Respond, review, and process requests for executive escalations and other high exposure cases.
- Participate in special assignments or projects relevant to managing and mitigating risk to PayPal and its merchants. (as needed)
What do you need to bring:
- Professional experience in Commercial Lending, Commercial Underwriting, Credit Risk Assessment, Financial Statement Analysis, Financial modelling, and/ or Financial Forecasting & Valuation (preferred).
- Ability to assess and analyze large amounts of data with a high attention to detail and create reports on critical information.
- Communicates complex information accurately and effectively through written and interpersonal communications skills.
- Engages with peers, all levels of management, and other internal or external constituents to deliver comprehensive reviews and analysis.