VP Portfolio Leader - Middle-Market Cash Flow Lending

Axos Business Center; San Diego (CA); On-site; USD 100,000 - 165,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) Match

Paid Vacation

HSA/FSA

Job summary

Axos Bank is seeking a VP, Portfolio Manager Lead to oversee a team of portfolio managers and analysts handling middle market and sponsor-backed cash flow lending relationships. You will drive credit quality, risk management, covenant compliance, and borrower relationships while aligning with credit policies and regulatory requirements.

You will partner with Originations, Underwriting, Credit Administration, Operations, and Legal to maintain a high-quality portfolio and support strategic growth.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics
• Minimum 8-10 years of experience in commercial banking, leveraged finance, or credit risk management
• Minimum 3-5 years of leadership or team management experience
• Strong understanding of credit analysis, financial statement analysis, cash flow modeling, leverage metrics, covenant structures, and risk grading methodologies
• Experience with sponsor-backed middle-market or cash flow lending portfolios
• Knowledge of commercial lending policies and regulatory requirements
• Proven ability to lead teams and collaborate across functions
• Excellent communication and presentation skills
• Proficient with Microsoft Office and portfolio management systems

Responsibilities

• Lead and mentor a team of Portfolio Managers and Credit Analysts for cash flow lending relationships
• Oversee portfolio performance, credit quality, risk ratings, covenant compliance, and borrower performance
• Review financial statements, certificates, borrowing reports, and borrower reporting to identify risks
• Serve as escalation point for problem credits and portfolio exceptions
• Ensure timely completion of annual reviews, renewals, modifications, and risk assessments
• Partner with Relationship Managers, Originations, Underwriting, Credit Administration, and Legal to evaluate opportunities
• Monitor concentrations, exposure trends, and industry risks
• Review and approve credit memoranda and risk-rating recommendations
• Establish reporting, KPIs, and dashboards to track portfolio health
• Participate in credit committees, policy discussions, and audits
• Drive consistency in underwriting standards and risk management
• Identify process improvements for efficiency and oversight
• Support strategic growth with disciplined credit risk management

Skills

Credit analysis

Financial statement analysis

Cash flow modeling

Leverage metrics

Covenant structures

Risk rating methodologies

Regulatory knowledge

Leadership & collaboration

MS Office

Portfolio management systems

Education

Bachelor’s degree in Finance, Accounting, Business Administration, Economics

Tools

MS Office

Portfolio management systems

Job description

Axos Bank is seeking a VP, Portfolio Manager Lead to oversee a team of portfolio managers and analysts handling middle market and sponsor-backed cash flow lending relationships. You will drive credit quality, risk management, covenant compliance, and borrower relationships while aligning with credit policies and regulatory requirements.

You will partner with Originations, Underwriting, Credit Administration, Operations, and Legal to maintain a high-quality portfolio and support strategic growth.