CRE Income Property Loan Officer - Commission Eligible

Axos Business Center; California; On-site; USD 70,000 - 75,000; Full time

Benefits offered by this job

Medical insurance

401(k) matching

Paid vacation

HSA or FSA

Job summary

Axos Bank is seeking a Commercial Loan Officer for Income Property Lending. You will originate, structure, underwrite, and close CRE loans on income-producing properties, building relationships with borrowers, brokers, and referral partners.

You will work with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver high-quality loan production. The role requires 5+ years in CRE lending, solid understanding of DSCR, LTV, debt yield, and NOI analysis, as well as strong

Qualifications

• 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.

Responsibilities

• 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 DSCR, LTV, debt yield, sponsorship strength, and global cash flow.
• Present lending opportunities and recommendations to Credit and Executive Management
• Negotiate loan terms, pricing, and conditions with borrowers and referral partners
• Manage the transaction process from initial screening through funding, ensuring timely execution and an exceptional client experience
• Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle
• Monitor market trends, property values, and competitive lending activity within assigned territories
• Maintain a strong pipeline of opportunities and achieve established production goals
• Ensure compliance with regulatory requirements, internal policies, and credit standards
• Support portfolio retention efforts, loan modifications, and relationship expansion opportunities as needed

Skills

Communication skills

Negotiation

Relationship management

Time management

Education

Bachelor’s degree in Finance/Business/Real Estate

Tools

Microsoft Office

Commercial lending systems

Job description

Axos Bank is seeking a Commercial Loan Officer for Income Property Lending. You will originate, structure, underwrite, and close CRE loans on income-producing properties, building relationships with borrowers, brokers, and referral partners.

You will work with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver high-quality loan production. The role requires 5+ years in CRE lending, solid understanding of DSCR, LTV, debt yield, and NOI analysis, as well as strong