Axos Bank

  • Junior Credit Analyst - Entry Level

    Job Locations US-CA-San Diego
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    Job ID
    Job Type
    Regular Full-Time
    Credit & Portfolio Management
  • Description:

    Born digital, Axos BankTM is publicly traded on the New York Stock Exchange (NYSE: AX). Axos Bank has reinvented the banking model, growing to nearly $10 billion in assets in just 19 years. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 online banks in the country! 


    We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.


    The Junior Credit Analyst is an entry-level position within the Bank's Credit department. The Junior Credit Analyst provides broad support to Credit and is exposed to several areas of Credit through a Credit Training Program. There are a number of different groups within Credit in which an analyst may be placed. For this reason, specific day-to-day tasks will vary.


    Job Responsibilities:

    • Perform basic credit analysis – may include writing loan reviews, analyzing operating statements, recommending risk ratings
    • Monitor loan performance – may include assessment of payment trends, covenant compliance, tax/insurance payments, collateral analysis and review
    • Request, input, and analyze borrower financial statements
    • Provide support in ensuring applicable credit policies, procedures, and process maps are accurate and updated appropriately
    • Assist during internal and external audits, as needed
    • Serve as project support and project lead on various strategic, operational, and/or credit related initiatives
    • Complete all requirements of Credit Training Program and demonstrate thorough understanding of all key concepts
    • Become knowledgeable in key concepts including banking, regulatory requirements, lending products, credit, and bank tools

    Key Skill Sets or Knowledge Requirements:

    • Ability to manage multiple and/or shifting priorities, and produce professional and accurate work, under time constraints
    • Excellent oral and written communication skills
    • Strong interpersonal skills with ability to work across all levels of management
    • Advanced computer skills including all Microsoft Office systems
    • Highly-motivated, with a strong work ethic and the ability to work both independently and in a group environment

    Desired Career Experience & Education Requirements:

    • Bachelor's Degree
    • Ability to work flexible hours, occasionally on short-notice

    Apply directly for consideration as we are not using any outside agencies for any of our openings


    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.



    Equal Employment Opportunity:


    Axos Bank 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.


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