Sr. Commercial Loan Servicing Specialist

Axos Financial, Inc.; San Diego (CA); On-site; USD 70,000 - 77,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Paid Time Off

HSA/FSA

401(k) Plan

Mortgage Loan Program

Trading Account

Job summary

Axos Financial, Inc. is seeking a Senior Commercial Loan Servicing Specialist in the San Diego area.

The role provides advanced operational support for complex commercial and FX loan portfolios, ensuring accuracy, compliance, and high-quality service across the loan lifecycle. The position acts as a subject matter expert and escalation point, partnering with internal stakeholders to improve processes, mitigate risk, and support growth.

Qualifications

• 3+ years in commercial loan servicing or related operations.
• Experience with foreign currency servicing or FX transactions preferred.
• Strong Excel, data analysis, and documentation skills.

Responsibilities

• Administer and service complex commercial loan portfolios with high accuracy.
• Lead foreign currency loan servicing including rate resets, funding, settlements, and cross-border instructions.
• Process domestic and international wire transfers and internal fund movements per policy.
• Serve as senior escalation point for complex servicing issues and mentor juniors.

Skills

Commercial loan servicing

FX/foreign currency lending

Cross-border settlements

Loan IQ/WSO/nCino

Excel proficiency

Regulatory/compliance knowledge

Education

Bachelor's degree preferred

Tools

Salesforce/nCino

Job description

Axos Financial, Inc. Target Range: $70,304.00/Yr. - $77,000.00/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: 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 Senior Commercial Loan Servicing Specialist provides advanced operational support for complex commercial and foreign currency loan portfolios, ensuring accuracy, compliance, and high-quality service throughout the loan lifecycle. This role serves as a subject matter expert, escalation point, and mentor within Commercial Loan Servicing, partnering closely with internal stakeholders to improve processes, mitigate risk, and support business growth. Prior exposure to FX-related lending or international loan operations is preferred, but not required. Training will be provided for candidates with strong analytical skills and the ability to manage time-sensitive, detail-oriented work.

Responsibilities

• Administer and service complex commercial loan portfolios, including payments, payoffs, advances, and disbursements with a high degree of accuracy
• Lead the servicing of foreign currency loan transactions, including coordination of rate resets, funding, settlements, and cross-border instructions with internal partners and external banks as needed
• Review, and process domestic and international wire transfers and internal fund movements in accordance with policy and regulatory requirements
• Act as a senior escalation point for complex servicing issues, providing expertise and guidance to junior team members
• Facilitate loan modifications, term changes, escrow disbursements, and other servicing updates, ensuring all activity is properly documented, approved, and executed
• Partner with cross-functional teams to identify, propose, and implement process improvements that enhance efficiency, accuracy, and scalability
• Perform daily and monthly general ledger clearing and reconciliation activities, researching and resolving discrepancies as needed
• Ensure compliance with internal controls, regulatory standards, and confidentiality requirements related to customer and loan data
• Maintain or exceed established service-level expectations while delivering consistent, professional internal and external customer support

Qualifications

• High school diploma or equivalent required; Bachelor’s degree preferred
• 3+ years of experience in commercial loan servicing, loan operations, or commercial lending support, with demonstrated exposure to complex loan structures
• Prior experience with foreign currency loan servicing, cross-border settlements, or FX-related transactions strongly preferred
• Knowledge of Loan IQ, WSO, Syndicated loan operations, and Salesforce/nCino is highly valuable
• Strong proficiency in Microsoft Excel (formulas, reconciliation, analysis)
• Strong understanding of commercial loan documentation, servicing workflows, and operational controls
• Proven ability to analyze issues, exercise sound judgment, and resolve complex servicing challenges
• Excellent written and verbal communication skills, with the ability to collaborate effectively across teams
• High attention to detail, strong organizational skills, and the ability to manage multiple priorities in a fast‑paced environment

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) We’re a team of relentless innovators that are challenging the status quo through smart, pro-consumer financial products and services. We got our start in 2000, as an online bank – when the idea of banking online was almost unthinkable. Since then, we’ve evolved to add commercial banking, commercial lending, investment, clearing, and fiduciary services to our toolbox. As modern life continues to present new challenges for clients, we step up and find creative ways to solve them.