Commercial Lender - Banking

Axos Bank; Tallahassee (FL); On-site; USD 63,000 - 77,000; Full time

Job summary

Axos Bank is seeking a Commercial Loan Officer for Income Property Lending in Tallahassee. You will originate, structure, and close CRE loans on income-producing assets and manage relations with borrowers, brokers, and referral partners.

You will analyze financial statements, rent rolls, and property cash flows, while ensuring deals meet credit policy and risk standards. A strong network in CRE and proficiency with lending systems are valued.

Qualifications

• Bachelor's degree in Finance, Real Estate, Accounting, or related field required.
• 5+ years of CRE lending experience or CRE originations preferred.
• Strong credit analysis and underwriting skills.
• Experience underwriting and structuring loans secured by income-producing properties.

Responsibilities

• Develop and maintain relationships with commercial real estate borrowers, brokers, and referral sources.
• Source lending opportunities for acquisition, refinance, cash-out, bridge, and value-add deals.
• Analyze borrower financial statements, rent rolls, and property cash flows for creditworthiness.
• Structure loan transactions that meet borrower objectives and comply with policy.
• Evaluate DSCR, LTV, debt yield, NOI, and global cash flow.
• Present lending opportunities to Credit and Executive Management.
• Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio teams.
• Maintain a strong pipeline and achieve production goals.
• Ensure compliance with regulatory requirements and credit standards.

Skills

CRE lending

Credit analysis

Relationship development

Financial statement analysis

Lending policies

Education

Bachelor's degree in Finance, Real Estate, Accounting, or related field

Tools

Microsoft Office

Commercial lending systems

Job description

Axos Bank

Target Range: $70,000.00/Yr. - $The Commercial Loan Officer – Income Property Lending (IPL) is responsible for originating, structuring, underwriting, and closing commercial real estate loans secured by income-producing properties. This role focuses on building and managing relationships with borrowers, brokers, and referral partners while identifying lending opportunities that align with the Bank’s credit standards and growth objectives. The Commercial Loan Officer serves as a trusted advisor throughout the lending process and works closely with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver exceptional client service and high-quality loan production. The IPL business focuses on financing stabilized and value-add commercial real estate assets including multifamily, office, retail, industrial, medical office, hospitality, mixed-use, and self-storage properties.

• Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources
• Source new lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions
• Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities.
• Structure loan transactions that meet borrower objectives while adhering to credit policy and risk management guidelines
• Evaluate key credit metrics including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, sponsorship strength, and global cash flow.
• Present lending opportunities and recommendations to Credit and Executive Management
• Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle
• Maintain a strong pipeline of opportunities and achieve established production goals
• Ensure compliance with regulatory requirements, internal policies, and credit standards

• Bachelor's degree in Finance, Business, Real Estate, Accounting, or related field
• 5+ years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations
• Strong understanding of commercial real estate finance and credit analysis
• Experience underwriting and structuring loans secured by multifamily, office, industrial, retail, hospitality, mixed-use, and other income-producing properties
• Working knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation
• Established network of commercial real estate borrowers, brokers, and industry professionals preferred
• Proficiency with Microsoft Office and commercial lending systems

• 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

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).

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.

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.

Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

Department of Homeland Security E-Verify program in all facilities located in the United States. Citizenship and Immigration Services. IER Right to Work Poster (English/Spanish) E-Verify Participation Poster (English/Spanish)