AVP, Portfolio Manager

Axos Bank • San Diego, CA

1d

About The Position

The Assistant Vice President (AVP), Portfolio Manager is responsible for the ongoing credit oversight, risk management, and performance monitoring of a portfolio of commercial loans to operating companies. Commercial Client Lending provides traditional commercial banking credit solutions to middle market and commercial clients across a diverse range of industries. The AVP serves as a senior credit partner to Relationship Management, Credit Administration, and Operations, with accountability for proactive portfolio surveillance, covenant compliance, risk escalation, and execution of portfolio actions. The portfolio includes senior secured and unsecured credit facilities such as revolving lines of credit, term loans, and other structured commercial lending products. This role requires independent credit judgment, leadership in risk management activities, and direct involvement in regulatory, audit, and loan review processes.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (MBA or advanced credential a plus)
• Minimum 6–10+ years of experience in commercial portfolio management, credit analysis, or commercial lending
• Strong understanding of commercial credit structures, cash flow analysis, collateral, and covenant frameworks
• Demonstrated ability to exercise sound credit judgment and operate independently within policy and authority limits
• Advanced Excel skills; experience with credit and loan systems such as nCino, Moody’s, or similar platforms preferred
• Proven ability to manage multiple priorities, meet deadlines, and communicate effectively with senior stakeholders

Responsibilities

• Oversee and manage assigned commercial loan portfolio, including payment performance, maturities, covenant compliance, collateral monitoring, and documentation requirements
• Perform ongoing credit risk assessments and proactively identify emerging risks, adverse trends, and borrower-specific issues
• Review, approve, and escalate covenant breaches, policy exceptions, waivers, and risk rating changes in accordance with delegated authorities
• Lead portfolio support for renewals, amendments, extensions, and restructurings, partnering closely with Relationship Managers and Credit
• Provide senior-level support for periodic loan reviews, including independent financial analysis and risk rating recommendations
• Prepare and deliver portfolio reporting, risk summaries, and management updates for senior management, committees, and regulators
• Coordinate and respond to audit, regulatory, and internal review requests, ensuring timely and accurate documentation
• Ensure data integrity, ownership, and consistency across loan systems including nCino and related platforms
• Identify process gaps and lead initiatives to enhance reporting, controls, and portfolio management practices
• Serve as a subject matter resource and mentor to Portfolio Analysts and junior team members

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees