Commercial Credit and Risk Associate

Axos Bank • San Diego, CA

7d • $70,304 - $85,000

About The Position

The Senior Analyst, Commercial Credit and Risk (MCC Secretary) leads day-to-day administration of the Credit and Lending governance framework. The role serves as Secretary for the Management Credit Committee (MCC), supports the DCC and HCDCC and related credit governance forums, and administers committee governance processes, policy development and maintenance, executive reporting, portfolio analytics, governance action tracking, and stakeholder coordination across the Commercial and Consumer Banks, Risk, Compliance, Legal, Audit, and Credit Administration.

As the primary governance lead for credit governance, this position is expected to work independently with minimal supervision, exercise judgment regarding governance readiness and documentation quality, and escalate material issues to management.

Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field.
• 3+ years of experience in commercial lending, credit administration, risk management, governance, compliance, audit, banking operations, or a related area.
• Knowledge of commercial credit, lending operations, risk management, governance, regulatory requirements, and internal controls.
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail.
• Excellent written and verbal communication skills, including the ability to prepare executive-level materials and reports.
• Ability to manage multiple priorities, work independently, and build relationships across all levels of the organization.
• Proficiency in Microsoft Office applications, including Excel, PowerPoint, Word, Outlook, and Teams.
• Sound judgment, professionalism, accountability, and a continuous improvement mindset, with an interest in automation and AI-enabled tools.

Nice To Haves

• Experience supporting executive committees, governance frameworks, policies, reporting, or control processes.

Responsibilities

• Serve as Secretary for the Management Credit Committee (MCC) and support governance activities for the DCC, HCDCC, and related committees, including agendas, minutes, approvals, action items, and records.
• Manage the preparation, review, and distribution of committee materials, executive presentations, and supporting documentation.
• Administer Credit governance documents, including policies, guidelines, charters, approval authorities, and management directives.
• Review committee submissions for completeness, governance compliance, and approval readiness; resolve or escalate issues as needed.
• Coordinate governance reviews and approvals across Credit Administration, Risk, Compliance, Audit, Legal, and business stakeholders.
• Maintain governance inventories, committee actions, policy renewals, approvals, implementation tracking, and document retention requirements.
• Prepare and oversee recurring governance and management reporting, including quality review and executive-level presentation materials.
• Perform quality control reviews of governance documents, reports, analytics, and committee submissions to ensure accuracy and compliance.
• Develop executive reporting, dashboards, portfolio analytics, and management information to support oversight and decision-making.
• Support regulatory exams, audits, remediation efforts, and governance documentation requests.
• Serve as a key liaison among business leaders, executive management, Compliance, Risk, Audit, and the Corporate Secretary’s Office.
• Drive process improvements, workflow automation, and AI-enabled solutions to enhance governance, reporting, and committee administration.
• Support strategic initiatives, growth, and integration activities by maintaining scalable and effective governance processes.

Benefits

• Medical, dental, vision, and life insurance.
• Paid sick leave, three 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.
• Annual discretionary cash bonus target of 10%, potentially awarded semi-annually based on achievement of performance goals and targets.
• Annual discretionary restricted stock units bonus target of 10%, potentially awarded semi-annually based on achievement of performance goals and targets.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level