Consumer Credit Officer

Axos Bank; San Diego (CA); On-site; USD 28,000 - 34,000; Full time

Benefits offered by this job

Medical insurance

Paid time off

HSA/FSA

401(k) match

Employee banking benefits

Job summary

Axos Bank in San Diego is seeking an underwriting professional to analyze loan applicants and assess credit worthiness. You will perform risk assessments, prep write-ups, and monitor queues to deliver timely decisions while maintaining quality standards.

The role requires 2+ years in underwriting or credit and risk analysis, with preferred experience in indirect auto lending and familiarity with regulations governing consumer lending. Eligible for comprehensive benefits and competitive pay.

Qualifications

• 2+ years underwriting or credit and risk analysis experience.
• Experience with indirect auto lending and working directly with dealership staff preferred.
• Knowledge of indirect auto finance, dealer funding processes, and consumer lending regulations preferred.

Responsibilities

• Prepares sound credit write-ups and ensures all due diligence and background evaluation is complete before credit requests or other approval documents are granted.
• Monitors underwriting queues and provides timely credit decisions, leveraging technology to improve customer service and reduce costs.
• Pro‑actively maintains credit quality standards of the Bank.
• Documenting results; assisting with detecting credit fraud.
• Speaks to customers representing Axos Bank, obtaining and analyzing personal and financial information.
• Evaluate loan documents to ensure accuracy and completeness.

Skills

Underwriting

Credit risk analysis

Indirect auto lending

Regulatory knowledge

Education

High school diploma

Job description

Axos Bank

Target Range:

$20.00/Hr. - $25.00/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

Analyze and perform risk assessments on potential loan applicants determining borrowing history and other specific risk factors to determine credit worthiness.

Responsibilities:

• Prepares sound credit write-ups and ensures all due diligence and background evaluation is complete and thorough before credit requests and/or other approval documents are granted.
• Monitors application underwriting queue, approval queue, final review queue providing timely credit decisions, leverages technology, seeks out efficiencies to improve customer service and reduce cost structures.
• Pro‑actively works to ensure the credit quality standards of the Bank are maintained.
• Documenting results; assisting with detecting credit fraud.
• Speaks to customers representing Axos Bank, obtaining and analyzing personal and financial information.
• Evaluate loan documents to insure accuracy and completeness.

Requirements:

• High school diploma
• 2+ years prior underwriting or credit and risk analysis experience
• Experience with indirect auto lending and working directly with dealership staff preferred
• Knowledge of indirect auto finance, dealer funding processes, and consumer lending regulations preferred

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)