Commercial Credit and Risk Associate

Axos Bank; San Diego (CA); On-site; USD 70,000 - 85,000; Full time

Benefits offered by this job

Annual bonus target: 10%

RSU bonus target: 10%

Medical benefits

Job summary

Axos Bank is seeking a Senior Analyst, Commercial Credit and Risk (MCC Secretary) to lead governance activities for the MCC and related committees. You will manage agendas, minutes, approvals, and documentation, while coordinating across Risk, Compliance, Audit, Legal, and business units to ensure governance readiness.

You will produce executive materials, perform portfolio analytics, and support regulatory exams, driving automation and scalable governance processes.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field.
• 3+ years of experience in commercial lending, credit administration, risk management, governance, compliance, audit, banking operations, or a related area.
• Experience supporting executive committees, governance frameworks, policies, reporting, or control processes preferred.
• Knowledge of commercial credit, lending operations, risk management, governance, regulatory requirements, and internal controls.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Excellent written and verbal communication skills, including the ability to prepare executive-level materials and reports.
• Ability to manage multiple priorities, work independently, and build relationships across all levels of the organization.
• Proficient in Microsoft Office applications, including Excel, PowerPoint, Word, Outlook, and Teams.

Responsibilities

• Serve as Secretary for the Management Credit Committee (MCC) and support governance activities for the DCC, HCDCC, and related committees, including agendas, minutes, approvals, action items, and records.
• Manage the preparation, review, and distribution of committee materials, executive presentations, and supporting documentation.
• Administer Credit governance documents, including policies, guidelines, charters, approval authorities, and management directives.
• Review committee submissions for completeness, governance compliance, and approval readiness; resolve or elevate issues as needed.
• Coordinate governance reviews and approvals across Credit Administration, Risk, Compliance, Audit, Legal, and business stakeholders.
• Maintain governance inventories, committee actions, policy renewals, approvals, implementation tracking, and document retention requirements.
• Prepare and oversee recurring governance and management reporting, including quality review and executive-level presentation materials.
• Perform quality control reviews of governance documents, reports, analytics, and committee submissions to ensure accuracy and compliance.
• Develop executive reporting, dashboards, portfolio analytics, and management information to support oversight and decision-making.
• Support regulatory exams, audits, remediation efforts, and governance documentation requests.
• Serve as a key liaison among business leaders, executive management, Compliance, Risk, Audit, and the Corporate Secretary’s Office.
• Drive process improvements, workflow automation, and AI-enabled solutions to enhance governance, reporting, and committee administration.
• Support strategic initiatives, growth, and integration activities by maintaining scalable and effective governance processes.

Skills

Governance

Analytics

Communication

MS Excel

PowerPoint

Automation

Cross-functional collaboration

Education

Bachelor's degree in Finance/Accounting/Business/Economics/Risk

Tools

Excel

PowerPoint

Word

Outlook

Teams

Job description

Axos Bank Target Range: $70,304.00/Yr. - $85,000.00/Yr. 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 Senior Analyst, Commercial Credit and Risk (MCC Secretary) leads the day-to-day administration of the Credit and Lending governance framework by serving as the Secretary for the MCC and Supporting the DCC and HCDCC, and related credit governance forums. This position is responsible for administering committee governance processes, supporting policy development and maintenance, coordinating executive reporting, performing portfolio analytics, tracking governance actions, and partnering with stakeholders across the Commercial and Consumer Banks, Risk, Compliance, Legal, Audit, and Credit Administration. The role serves as the primary governance lead for credit governance and is expected to operate independently with minimal supervision, exercise judgment regarding governance readiness and documentation quality, and elevate material issues to management.

Responsibilities

• Serve as Secretary for the Management Credit Committee (MCC) and support governance activities for the DCC, HCDCC, and related committees, including agendas, minutes, approvals, action items, and records.
• Manage the preparation, review, and distribution of committee materials, executive presentations, and supporting documentation.
• Administer Credit governance documents, including policies, guidelines, charters, approval authorities, and management directives.
• Review committee submissions for completeness, governance compliance, and approval readiness; resolve or elevate issues as needed.
• Coordinate governance reviews and approvals across Credit Administration, Risk, Compliance, Audit, Legal, and business stakeholders.
• Maintain governance inventories, committee actions, policy renewals, approvals, implementation tracking, and document retention requirements.
• Prepare and oversee recurring governance and management reporting, including quality review and executive-level presentation materials.
• Perform quality control reviews of governance documents, reports, analytics, and committee submissions to ensure accuracy and compliance.
• Develop executive reporting, dashboards, portfolio analytics, and management information to support oversight and decision-making.
• Support regulatory exams, audits, remediation efforts, and governance documentation requests.
• Serve as a key liaison among business leaders, executive management, Compliance, Risk, Audit, and the Corporate Secretary’s Office.
• Drive process improvements, workflow automation, and AI-enabled solutions to enhance governance, reporting, and committee administration.
• Support strategic initiatives, growth, and integration activities by maintaining scalable and effective governance processes.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field.
• 3+ years of experience in commercial lending, credit administration, risk management, governance, compliance, audit, banking operations, or a related area.
• Experience supporting executive committees, governance frameworks, policies, reporting, or control processes preferred.
• Knowledge of commercial credit, lending operations, risk management, governance, regulatory requirements, and internal controls.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Excellent written and verbal communication skills, including the ability to prepare executive-level materials and reports.
• Ability to manage multiple priorities, work independently, and build relationships across all levels of the organization.
• Proficient in Microsoft Office applications, including Excel, PowerPoint, Word, Outlook, and Teams.
• Demonstrates sound judgment, professionalism, accountability, and a continuous improvement mindset, with an interest in automation and AI-enabled tools.

Axos Employee Benefits May Include:

• 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

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. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

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. We got our start in 2000, as an online bank - when the idea of banking online was almost unthinkable. Since then, we’ve evolved to add commercial banking, commercial lending, investment, clearing, and fiduciary services to our toolbox. As modern life continues to present new challenges for clients, we step up and find creative ways to solve them.

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.