Analyst, Commercial Credit and Risk

Axos Bank; San Diego (CA); On-site; USD 34,000 - 41,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Paid Time Off

HSA or FSA

401(k) Match

Mortgage Loan Program

Job summary

Axos Bank is seeking an Analyst, Commercial Credit and Risk to support governance for MCC and DCC committees, develop reports, and improve policy lifecycle management. You will analyze data, prepare materials, and coordinate across risk, compliance, legal, and audit functions to ensure governance readiness and strong controls.

The role offers exposure to credit governance, policy administration, and process improvements, with potential AI-enabled productivity enhancements, while joining a

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field.

Responsibilities

• Support the administration of credit governance committees and forums, including meeting coordination, agendas, materials, approvals, action items, and governance recordkeeping
• Prepare, review, and distribute committee materials, management reports, presentations, and governance documentation
• Coordinate governance reporting processes, maintain governance records and trackers, and support policy, charter, and approval authority lifecycle management
• Perform quality control reviews of governance submissions, reports, and documentation to identify inaccuracies, approval gaps, and process exceptions
• Support regulatory examinations, audits, issue remediation efforts, and governance evidence requests
• Develop and maintain dashboards, analytics, procedures, templates, and reporting tools that enhance governance oversight and organizational resiliency
• Contribute to process improvements, workflow automation, and AI-enabled solutions that improve efficiency, scalability, and reporting quality
• Partner with stakeholders across Lending, Credit, Risk, Compliance, Legal, Audit, and other control functions to support effective credit risk governance

Skills

Analytical

Communication

Problem solving

Organizational skills

Governance knowledge

Education

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Risk Management, or related field

Tools

Excel

PowerPoint

Word

Outlook

Teams

Job description

Axos Bank Target Range: $25.00/Hr. - $30.00/Hr. Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education. Eligible for an Annual Discretionary Cash Bonus Target: 10% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The Analyst, Commercial Credit and Risk supports the first-line Credit and Lending governance framework through committee administration, governance reporting, policy administration, governance documentation, data analysis, and operational activities that support effective execution of the Management Credit Committee (MCC), Directors Credit Committee (DCC), and related governance processes. Working closely with the Senior Analyst (MCC Secretary), this role provides execution support for committee governance, reporting, policy lifecycle management, audit and regulatory readiness activities, and strategic initiatives while developing expertise in commercial and consumer credit, governance, risk management, and banking operations.

Responsibilities

• Support the administration of credit governance committees and forums, including meeting coordination, agendas, materials, approvals, action items, and governance recordkeeping
• Prepare, review, and distribute committee materials, management reports, presentations, and governance documentation
• Coordinate governance reporting processes, maintain governance records and trackers, and support policy, charter, and approval authority lifecycle management
• Perform quality control reviews of governance submissions, reports, and documentation to identify inaccuracies, approval gaps, and process exceptions
• Support regulatory examinations, audits, issue remediation efforts, and governance evidence requests
• Develop and maintain dashboards, analytics, procedures, templates, and reporting tools that enhance governance oversight and organizational resiliency
• Contribute to process improvements, workflow automation, and AI-enabled solutions that improve efficiency, scalability, and reporting quality
• Partner with stakeholders across Lending, Credit, Risk, Compliance, Legal, Audit, and other control functions to support effective credit risk governance

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field
• 1+ years of experience in lending, credit administration, risk management, governance, audit, compliance, banking operations, finance, accounting, or a related discipline; experience in reporting, analytics, policy administration, committee support, or a regulated financial services environment preferred
• Basic understanding of commercial and consumer lending, credit risk, banking operations, or governance processes
• Strong analytical, problem-solving, organizational, and communication skills, with the ability to identify issues, manage multiple priorities, and work independently while escalating concerns appropriately
• Proficiency in Microsoft Excel, PowerPoint, Word, Outlook, Teams, and related productivity tools
• Demonstrated attention to detail, accountability, adaptability, and a commitment to quality, continuous improvement, and learning
• Interest in commercial credit governance, policy administration, reporting, committee management, process enhancement, automation, and AI-enabled productivity tools

Axos Employee Benefits

• Medical, Dental, Vision, and Life Insurance
• Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
• HSA or FSA account and other voluntary benefits
• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers. Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX). Learn more about working at Axos

Pre-Employment Background Check and Drug Test

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana.

Equal Employment Opportunity

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. IER Right to Work Poster (English/Spanish) E-Verify Participation Poster (English/Spanish) We’re a team of relentless innovators that are challenging the status quo through smart, pro-consumer financial products and services.