Warehouse Lending Specialist

Axos Bank; San Diego (CA); On-site; USD 26,000 - 34,000; Full time

Benefits offered by this job

Medical benefits

Vacation & Holidays

HSA/FSA

401(k) match

Mortgage program

Job summary

Axos Bank is seeking a Warehouse Lending Specialist to own funding and collateral management for mortgage loans. You will fund and repay advances, track collateral, and coordinate with third-party custodian vendors to keep files accurate and audit-ready, while working with originators and clients to grow our warehouse lending capabilities.

This hands-on role requires precision, problem-solving, and strong written communication.

Qualifications

• 2+ years experience in the mortgage industry preferred
• Solid understanding of mortgage lending and origination process
• Experience with collateral management and third‑party document custodians is a plus
• Familiarity with loan origination systems (WLS/OptiFunder) is a plus
• Proficient in Microsoft Office (Outlook, Excel, Word)

Responsibilities

• Daily funding and repayment of loan advances through automated systems
• Collateral monitoring and reporting; reconcile general ledger accounts
• Intake, review, and financing of mortgage loan advances
• Ensure strict adherence to operating procedures and loan guidelines
• Wire processing and cross-application transactions
• Customer service (B2B) and portfolio management
• Oversee mortgage loan collateral files and electronic transmissions

Skills

Mortgage knowledge

Customer service

Communication skills

Organized

Tools

Warehouse Loan System (WLS)

OptiFunder

Job description

Axos Bank

Target Range

$19.00/hr. - $25.00/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: 10%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%

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

About This Job

Join a growing Warehouse Lending team where you'll own two of the most critical functions in the business: loan processing and collateral management. As a Warehouse Lending Specialist, you'll be the person who keeps loans moving - funding and repaying advances through our loan origination system, tracking collateral from receipt through shipment, and coordinating with third-party document custodians to keep every file accurate and audit-ready. You'll work directly with originators and vendor clients, build real subject-matter expertise in mortgage warehouse lending, and have a clear line of sight to how your day-to-day work supports the bank's funding operations. This is a hands‑on role for someone who likes precision, enjoys solving problems, and wants to grow their career in mortgage finance. Additional responsibilities include customer relations, aged loan management, and loan processing.

• Daily funding and repayment of loan advances through automated systems, while working to ensure compliance with established operating procedures and loan guidelines.
• Customer relations, loan processing, wire distribution, cross-application transactions, collateral monitoring & reporting, aged loan management and daily reconciliation of business unit general ledger accounts.
• Intake, review, and financing of mortgage loan advances
• Strict compliance to established operating procedures and loan guidelines
• Wire processing & DDA cross-application transactions
• Customer service (B2B) and portfolio management
• Management and oversight of mortgage loan collateral files and electronic transmissions

Qualifications

• 2+ years experience in the mortgage industry preferred, but we will evaluate candidates without direct experience.
• Preferred: solid understanding of the mortgage lending and origination process, residential loan documentation, and mortgage loan processing.
• Experience with collateral management and integrations with third‑party document custodians is a strong plus.
• Familiarity with loan origination systems and knowledge of Warehouse Loan System (WLS), OptiFunder, or an equivalent platform is a strong plus; experience with third‑party document custodian integrations (e.g., collateral tracking, trailing document management) is a plus
• Proficient in Microsoft Office applications (Outlook, Excel, Word, etc.)
• Organized and ability to manage time efficiently
• Strong customer service skills
• Strong written and communication skills
• Ability to work well under pressure 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)