上海招聘

Position Overview

As a Commercial Underwriting Credit Analyst, you will support the underwriting and perform expert-level risk evaluation of PayPal’s merchants of all sizes (SP, SMB and LMS). Areas of analyst focus will include performing risk management analysis and underwriting, assuring regulatory adherence, assisting with merchant monitoring and enforcement operation, and balancing the overall business impact of MRM operations. Success in this role will be based on the ability to minimize risk to PayPal, the quality of vetting decision-making and enforcement as viewed by regulators, credit processors, customers, and internal stakeholders. A Commercial Underwriting Credit Analyst has strong business acumen, exercises creativity in their thought process, and has exemplary written and oral communication skills.

Core Duties
?Implementation of Credit Underwriting and Procedures
Conduct full credit underwriting including assessment of merchant risk including PayPal Acceptable Use, Regulatory Compliance (Federal and State, Local Region) , Credit Card Compliance, Legal, Fraud and Credit Risks. (50%)
?Present detailed recommendations to management, cross-functional Risk Management organization and Merchant Services business units. (10%)
?Interpret and analyze financial statements, business credit bureau reports, merchant processing statements, business history, background investigations, and bank and trade references. (20%)
?Calculate reserve and/or collateral requirements based on credit exposure. (5%)
?Communicate indirectly with a wide range of PayPal teams both in San Jose and Omaha, merchants and vendors during credit underwriting process in a professional manner. (5%)
?Perform ongoing monitoring of specified accounts and portfolio in accordance with approval policies. (10%)

Requirement
?A minimum of 2 years of commercial underwriting experience in middle to large markets is required
?Experience in financial statement analysis, financial modeling and valuation is essential
?Experience preparing financial reviews, interpreting financial performance and assessing credit exposure is essential
?Direct experience in utilizing analytical skills to identify critical trends

eBay (NASDAQ: EBAY) is the world’s most vibrant marketplace for discovering great value and unique selection. eBay connects millions of buyers and sellers around the globe, empowering people and creating opportunity through Connected Commerce. Our vision for commerce is one that is enabled by people, powered by technology and open to everyone. We partner but never compete with our sellers and create stronger connections between buyers and sellers with product experiences that are fast, mobile and secure. As we celebrate our 20th anniversary, we're just as passionate today about connecting buyers and sellers as when we founded the company in 1995. For more information, visit *******************