SVP, Credit Administrator - Middle Market

Axos Bank; San Diego (CA); On-site; USD 180,000 - 225,000; Full time

Benefits offered by this job

Medical insurance

Paid time off

401(k) plan

Employee account with Axos

Job summary

Axos Bank is seeking a Credit Administrator to oversee credit reviews, loan structuring, and collaboration with legal counsel for a commercial lending portfolio. The role emphasizes risk assessment, deal team collaboration, and adherence to credit policies.

The position offers a high compensation range with performance bonuses and a comprehensive benefits package. Extensive experience in commercial credit and training programs is required.

Qualifications

• Bachelor's degree required.
• 12+ years of related experience.
• Advanced knowledge of commercial credit framework and basic commercial credit legal documentation principles.
• Superior credit analysis skills.
• Completion of a formal Credit Training Program at a major financial institution.
• Proficiency with Word and Excel.
• Ability to work in a team environment.

Responsibilities

• Act as a key member of a deal team, reviewing and evaluating new credit proposals, amendments, and renewals for a portfolio of commercial borrowers.
• Approve proposed extensions of credit within authorized loan limits.
• Develop alternative strategies on credits with business units.
• Review pipeline, maturities, and delinquency reports and engage business units for action.
• Engage with credit portfolio management to monitor risk of a portfolio.
• Approve periodic loan reviews and confirm risk rating accuracy.
• Guide on credit issues including proper structuring and early detection of problem loans.
• Assist in managing problem loan credits.
• Collaborate with business units and legal counsel on loan documentation.
• Understand industry trends to manage credit risk and update policies.

Skills

Credit analysis

Team collaboration

Commercial credit principles

Education

Bachelor's degree

Tools

Microsoft Word

Microsoft Excel

Job description

Axos Bank Target Range: $180,000.00 per year – $225,000.00 per year. Actual starting pay will vary based on geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 25% and an Annual Discretionary Restricted Stock Units Bonus Target: 25%. These discretionary target bonuses may be awarded semi‑annually based on achievement of performance goals and targets.

Target bonus can range from 25% to 50% depending on level of experience.

Role

The Credit Administrator provides credit oversight through initial and periodic credit reviews and evaluation, loan structuring, and engagement with legal counsel for an assigned portfolio of commercial borrowers. This role is responsible for reviewing and approving loan submissions within the designated credit approval authority.

Credit Products

Credit products include, but are not limited to, C&I working capital revolvers, term loans, asset based loans, owner occupied real estate, ACH lines, HOA loans, and ad hoc structured loans.

Responsibilities

• Act as a key member of a deal team, working closely with business units including team managers, credit underwriting and portfolio managers to review and evaluate new credit proposals, amendments, and renewals for a portfolio of commercial borrowers, while focusing on the quality and analysis of the credit presented.
• Approve proposed extensions of credit within authorized loan limits.
• Develop alternative strategies on credits through collaborative effort with business units.
• Review pipeline, maturities, and delinquency reports and engage business units for appropriate action.
• Engage with credit portfolio management to monitor and manage the risk of a portfolio of commercial borrowers.
• Approve periodic loan reviews and confirm the accuracy of the risk rating.
• Provide guidance on credit issues including proper structuring, early detection of problem loans to business units through thought leadership and coaching.
• Assist in managing problem loan credits.
• Collaborate with business units and engage with legal counsel on the documentation of loan transactions.
• Proactively understand industry, market, and borrower trends to manage the credit risk of an assigned product, potentially leading to updates of credit policies, guidelines, and procedures.
• Coach and mentor a team of direct reports.
• Develop and maintain key performance metrics.
• Work to build and streamline business processes and policies in support of the middle‑market division.

Qualifications

• Bachelor's degree.
• 12+ years of related experience.
• Advanced knowledge of commercial credit framework and basic commercial credit legal documentation principles.
• Superior credit analysis skills.
• Completion of a formal Credit Training Program at a major financial institution.
• Proficiency with core Microsoft Office programs such as Word and Excel.
• Ability to work in a team environment.

Benefits

• Medical, dental, vision, and life insurance.
• Paid sick leave.
• Three weeks of vacation and holidays (about 11 per year).
• HSA or FSA account and other voluntary benefits.
• 401(k) retirement savings plan with employer match program.
• 529 savings plan.
• Employee mortgage loan program.
• Free access to an Axos Bank account with self‑directed trading.

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, breastfeeding, 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.