Loan Boarding & Legal Document Review Specialist

Axos Bank; San Diego (CA); On-site; USD 34,000 - 42,000; Full time

Benefits offered by this job

Health Insurance

Paid Sick Leave & Holidays

401(k) with match

HSA/FSA eligibility

Axos account benefits

Job summary

Axos Bank in San Diego is seeking a Loan Boarding & Legal Document Review Specialist to ensure accurate boarding of commercial real estate loans. You will review executed documents, validate terms against the credit memo, collect and verify KYC, and ensure loan records match approved terms.

You are the final checkpoint between closing and servicing, coordinating with underwriters, closers, legal counsel, and servicing teams to resolve discrepancies while maintaining audit-ready data in nCino

Qualifications

• Bachelor’s degree in Finance, Business, Paralegal Studies, or related field or equivalent experience.
• 3+ years of experience in commercial lending operations, loan boarding, or documentation review.
• Strong knowledge of commercial loan documentation, CRE lending, and loan participations.
• Experience with nCino or similar loan origination platforms and core servicing systems.
• Understanding of KYC, CIP, beneficial ownership, BSA/AML requirements.
• Strong analytical, organizational, and problem-solving skills with attention to detail.

Responsibilities

• Review loan documentation, credit approvals, and guaranties to validate accuracy and compliance with terms.
• Extract and reconcile data across documents, memos, and servicing systems; escalate discrepancies.
• Collect and validate KYC and beneficial ownership documentation for regulatory compliance.
• Enter and validate customer, collateral, covenant, and loan data in nCino and core systems.
• Maintain organized loan files and support audits, QC, and compliance reviews.
• Coordinate with underwriters, closers, counsel, and servicing teams to resolve issues.
• Monitor boarding activities and contribute to process improvements.

Job description

Target Range: $25.00/Hr. - $30.46/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: 12.5%Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The Loan Boarding & Legal Document Review Specialist is responsible for the accurate, timely boarding of commercial real estate loans. You will review executed legal documents, validate key terms against the approved credit memo, collect and verify KYC, and make sure the loan record in nCino and the core system matches what was approved and signed. You are the final checkpoint between closing and servicing, so attention to detail and the ability to spot discrepancies are essential.

Responsibilities

• Review loan documentation, credit approvals, participation agreements, and guaranties to validate accuracy, completeness, and compliance with approved loan terms
• Extract and reconcile key loan, participation, guaranty, and covenant data across legal documents, credit memos, and servicing systems, escalating discrepancies as needed
• Collect, review, and validate KYC and beneficial ownership documentation to satisfy regulatory and BSA/AML requirements
• Enter, maintain, and validate customer, collateral, covenant, and loan information within nCino and core servicing systems, ensuring data integrity and audit readiness
• Maintain organized loan files, upload and index documentation, and support audit, quality control, and compliance reviews
• Coordinate with underwriters, closers, legal counsel, servicing teams, and external parties to resolve exceptions and facilitate accurate loan boarding
• Monitor loan boarding activities, track outstanding conditions and covenants, and contribute to process improvements, documentation, and training initiatives

Qualifications

• Bachelor's degree in Finance, Business, Paralegal Studies, or a related field, or equivalent experience
• 3+ years of experience in commercial lending operations, loan boarding, loan administration, closing, or documentation review
• Strong knowledge of commercial loan documentation, credit approvals, CRE lending, loan participations, and syndications
• Experience with nCino or similar loan origination platforms, core loan systems, and loan servicing processes
• Understanding of KYC, CIP, beneficial ownership, BSA/AML, and regulatory compliance requirements
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail
• Effective communication skills with the ability to identify, document, and elevate discrepancies
• Proficiency in Microsoft Excel, PDF applications, reporting tools, and workflow automation technologies
• Proven ability to manage multiple priorities, adapt to changing business needs, and drive work through completion

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)