Credit Risk & Underwriting Analyst

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 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.