Commercial Underwriting Analyst II

Axos Bank; San Diego (CA); On-site; USD 33,000 - 43,000; Full time

Benefits offered by this job

Health insurance (Medical)

Dental insurance

Vision insurance

Life insurance

Paid time off

401(k) with employer match

HSA/FSA

Mortgage loan program

Self-directed trading account

Job summary

Axos Bank is seeking a Commercial Lending Analyst in San Diego, CA to assist originators and underwriters in screening, underwriting, and monitoring loans. The role involves credit analysis, collateral assessment, and data-driven process improvements.

The position supports the originations team, handles document collection, and tracks due diligence. A Bachelor's degree with 2–4 years of experience in commercial lending is expected, with competitive compensation and benefits.

Qualifications

• Bachelor's degree and 2–4 years experience in monitoring or underwriting and structuring commercial lending transactions

Responsibilities

• Performs basic credit analysis - may include analyzing operating statements, recommending risk ratings
• Analyzes Commercial Lending, Accounts Receivable, Inventory, Equipment, and Loan and Lease Receivables collateral across an array of collateral types
• Analyzes financial data to determine customers' financial status
• Making process improvement and action recommendations researched and supported by data and key metrics
• Supports administrative aspects of the originations process including document collection, organization, and tracking of due diligence requirements

Skills

Credit analysis

Financial statement analysis

Risk assessment

Job description

Compensation

Axos Bank Target Range: $24/Hr. - $31.50/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: 25% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 25% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

Support Commercial Lending Group by working with originators and underwriters to support the team in screening, underwriting and monitoring loans.

Responsibilities

• Performs basic credit analysis - may include analyzing operating statements, recommending risk ratings
• Analyzes Commercial Lending, Accounts Receivable, Inventory, Equipment, and Loan and Lease Receivables collateral across an array of collateral types
• Analyzes financial data to determine customers' financial status
• Making process improvement and action recommendations researched and supported by data and key metrics
• Supports administrative aspects of the originations process including document collection, organization, and tracking of due diligence requirements

Qualifications

Bachelors 2-4 years experience in monitoring or underwriting and structuring commercial lending transactions

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. 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. 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)

Company Culture

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.