Axos Bank

  • Senior Credit Analyst

    Job Locations US-CA-San Diego
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    Job ID
    Job Type
    Regular Full-Time
    Commercial & Industrial - Lending
  • Description:

    Born digital, Axos BankTM 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! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol (NYSE: AX).   


    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.   


    We are seeking a highly skilled Senior Cedit Analyst to support our Commercial and Industrial division.  The Analyst role includes the following responsibilities:


    • Prepare credit write ups and present to senior management
    • Draft and negotiate term sheets with counter-parties
    • Assist in screening and structuring new loan opportunities
    • Determine a customer's eligibility for financing and related credit risk
    • Spread financial statements, complete ratios, trends, and cash flow analysis, provide clear and concise written financial analysis supporting views of the borrowers' financial condition
    • Analyze credit worthiness of prospective borrowers and guarantors
    • Perform industry and geographical research and other due diligence for properties and transactions properties located throughout the United States
    • Underwrite and execute complex transactions supported by the following asset classes: commercial real estate (all property types), real estate bridge loans, small and medium sized business loans, consumer loans and leases
    • Financial modelling of real estate bridge loans, structured products, and corporate financial projections
    • Review and assess of all real estate third party reports, including appraisals, environmental reports, and project budgets
    • Manage the legal documentation process with internal and external legal counsel
    • Perform site inspections of real estate properties and site visits of prospective clients
    • Apply current credit policies to all credit decisions
    • Maintain strong relationships with institutional counter-parties including private debt funds, investment banks, brokers, and real estate developers

    Key Skill Sets or Knowledge Requirements:

    • Excellent organizational skills, attention to detail, and written and verbal communication skills
    • Ability to self-manage multiple and/or shifting priorities to produce professional quality work under time constraints
    • Strong problem recognition and resolution skills
    • Ability to sensitize borrower projections by "stressing" key company and industry drivers and ensuring that BOFI's loan structure and collateral position can sustain a downturn in any of these key drivers
    • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
    • Superior analytical and financial modeling experience  
    • Strong decision making abilities with an emphasis on data and key industry metrics
    • Ability to use Microsoft Office – Excel, PowerPoint, Word and Visio

    Desired Career Experience & Education Requirements:

    • Bachelor's degree (finance, economics or accounting)
    • 2+ years of experience working in a financial institution in a credit role with a bank that provides formal bank credit training

    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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