Commercial Credit and Risk Associate

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

Benefits offered by this job

Medical, Dental, Vision, and Life

Paid Sick Leave, 3 weeks' Vacation, 11

HSA or FSA account and other voluntary

401(k) Retirement Saving Plan with EMP

Employee Mortgage Loan Program and Axo

Job summary

Axos is seeking a Senior Analyst, Commercial Credit and Risk to lead governance for credit and lending programs. The role acts as Secretary for MCC, supports DCC and HCDCC, and manages committee materials with governance readiness and documentation quality.

The role partners across Risk, Compliance, Legal, Audit, and Credit Administration, performing portfolio analytics and driving AI-enabled improvements in governance and reporting for strategic oversight.

Qualifications

• Bachelor-level degree in finance, accounting, business, economics or risk-related field.
• 3+ years in commercial lending, credit administration, risk management, governance, compliance, audit, or banking operations.
• Experience supporting executive committees, governance frameworks, 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 attention to detail.
• Excellent written and verbal communication, including executive-level materials and reports.
• Ability to manage multiple priorities, work independently, and build cross-functional relationships.
• Proficiency in Microsoft Office (Excel, PowerPoint, Word, Outlook, Teams).
• Interest in automation and AI-enabled tools; professionalism and accountability.

Responsibilities

• Serve as Secretary for the Management Credit Committee (MCC) and support governance activities for DCC, HCDCC, and related committees.
• Prepare, review, and distribute committee materials, executive presentations, and supporting documentation.
• Administer Credit governance documents including policies, guidelines, charters, and approvals.
• Review submissions for completeness, governance compliance, and approval readiness; resolve issues.
• Coordinate governance reviews and approvals across Credit Administration, Risk, Compliance, Audit, Legal, and stakeholders.
• Maintain governance inventories, actions, policy renewals, and documentation retention.
• Oversee recurring governance and management reporting, including executive materials.
• Perform quality control reviews of governance documents, reports, analytics, and submissions.
• Develop executive reporting, dashboards, portfolio analytics, and MIS for oversight and decision-making.
• Support regulatory exams, audits, remediation efforts, and governance document requests.
• Serve as liaison among business leaders, executive management, Compliance, Risk, Audit, and Corporate Secretary's Office.
• Drive process improvements, workflow automation, and AI-enabled solutions for governance and reporting.
• Support strategic initiatives, growth, and integration with scalable governance processes.

Skills

Strong analytical

Organizational skills

Problem solving

Excellent written & verbal comms

Multi-priority management

Education

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

Job description

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 escalate 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 escalte 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

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.