FVP, CRE Underwriter

axos; San Diego (CA); On-site; USD 125,000 - 175,000; Full time

Benefits offered by this job

Medical, Dental, Vision, and Life

Paid leave and holidays

HSA or FSA benefits

401(k) with employer match

Mortgage loan program

Axos Bank account with Self-Directed/“

Trading access

Job summary

Axos Bank in San Diego, CA seeks a First Vice President (FVP), CRE Underwriter to lead underwriting, structuring, and risk assessment of complex CRE loan transactions. You will collaborate with Relationship Managers and senior leadership to ensure credit policy alignment.

The role demands 7+ years CRE underwriting experience, strong analytical skills, and ability to drive accurate credit packages while traveling as needed. Eligible for discretionary bonuses and equity-based rewards.

Qualifications

• Bachelor's degree in Finance, Real Estate, Accounting, Economics, or related field; MBA or CFA/CCIM preferred.
• 7+ years CRE underwriting experience in banking/financial services.
• Strong analytical and credit risk assessment skills with knowledge of real estate valuation and cash flow modeling.

Responsibilities

• Performs complex financial or collateral analyses including modeling or projections analyses
• Manages analysts through the underwriting process (CAM, Diligence); prepares and review CAMs and PICs before submission; keeps track of all other items and tasks necessary to close a loan
• Prepares term sheets and review loan documents through underwriting process; coordinates boarding process with additional bank units
• Trains and develops analysts to constantly improve
• Liaises between other departments to gain buy-in for business plans, growth strategies, transaction opportunities and mission critical operational initiatives; assists in hiring
• Assists in writing credit policy, guidelines and key process development
• Represents the Bank at industry forums, conferences, and client meetings as appropriate. Travel as frequently as needed or as directed in order to execute on assigned duties
• Recommends loans for approval to credit committee
• Leads group adherence to management framework and compliance with all audit/review needs, including: OCC, BDO, Internal Audit, ICR, and SOX review

Skills

CRE underwriting

Financial modeling

Credit risk analysis

Communication skills

Multi-priority management

Education

Bachelor's degree in Finance/Real Estate/Accounting/Economics

MBA or CFA/CCIM preferred

Job description

Axos Bank

Target Range:

$125,000.00/Yr. - $175,000.00/Yr. 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

The First Vice President (FVP), CRE Underwriter is a senior-level credit professional responsible for leading the underwriting, structuring, and risk assessment of complex commercial real estate (CRE) loan transactions. This role partners closely with Relationship Managers, Credit Officers, and senior leadership to assess creditworthiness, prepare detailed credit approval packages, and ensure that transactions align with the bank's credit policy and risk appetite.

Responsibilities

• Performs complex financial or collateral analyses including modeling or projections analyses
• Manages analysts through the underwriting process (CAM, Diligence); prepares and review CAMs and PICs before submission; keeps track of all other items and tasks necessary to close a loan
• Prepares term sheets and review loan documents through underwriting process; coordinates boarding process with additional bank units
• Trains and develops analysts to constantly improve
• Liaises between other departments to gain buy-in for business plans, growth strategies, transaction opportunities and mission critical operational initiatives; assists in hiring
• Assists in writing credit policy, guidelines and key process development
• Represents the Bank at industry forums, conferences, and client meetings as appropriate. Travel as frequently as needed or as directed in order to execute on assigned duties
• Recommends loans for approval to credit committee
• Leads group adherence to management framework and compliance with all audit/review needs, including: OCC, BDO, Internal Audit, ICR, and SOX review

Qualifications

• Bachelor's degree in Finance, Real Estate, Accounting, Economics, or related field; MBA or relevant professional certification (e.g., CFA, CCIM) preferred
• 7+ years of commercial real estate underwriting experience in a banking, financial services, or institutional lending environment
• Strong analytical and credit risk assessment skills, with deep knowledge of real estate valuation, cash flow modeling, and loan structuring
• Excellent written and verbal communication skills, with the ability to distill complex credit matters into concise and persuasive presentations
• Ability to manage multiple priorities in a fast-paced environment while maintaining high attention to detail

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