Commercial Loan Officer - IPL

Axos Bank•Remote - CA, WA

27d•$70,000 - $75,000

About The Position

The Commercial Loan Officer – Income Property Lending (IPL) originates, structures, underwrites, and closes commercial real estate loans secured by income-producing properties. The role builds and manages relationships with borrowers, brokers, and referral partners, identifies opportunities aligned with the Bank’s credit standards and growth objectives, and advises clients throughout the lending process. The officer works with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver client service and high-quality loan production. The IPL business finances stabilized and value-add commercial real estate assets, including multifamily, office, retail, industrial, medical office, hospitality, mixed-use, and self-storage properties. This is a commission-eligible role with a target range of $70,000 to $75,000 per year. Actual starting pay may vary based on factors including geographic location, experience, skills, specialty, and education.

Requirements

Bachelor’s degree in Finance, Business, Real Estate, Accounting, or a related field.
At least 5 years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations.
Strong understanding of commercial real estate finance and credit analysis.
Experience underwriting and structuring loans secured by income-producing properties, including multifamily, office, industrial, retail, hospitality, and mixed-use properties.
Working knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation.
Strong sales, negotiation, and relationship management skills.
Excellent verbal, written, and presentation communication abilities.
Ability to manage multiple transactions and deadlines in a fast-paced environment.
Proficiency with Microsoft Office and commercial lending systems.
Ability to sit for extended periods and use standard office equipment, including a computer keyboard and mouse, calculator, telephone, and copiers.

Nice To Haves

An established network of commercial real estate borrowers, brokers, and industry professionals.

Responsibilities

Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources.
Source lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions.
Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities.
Structure loan transactions to meet borrower objectives while adhering to credit policy and risk management guidelines.
Evaluate credit metrics, including DSCR, LTV, debt yield, sponsorship strength, and global cash flow.
Present lending opportunities and recommendations to Credit and Executive Management.
Negotiate loan terms, pricing, and conditions with borrowers and referral partners.
Manage transactions from initial screening through funding, ensuring timely execution and a strong client experience.
Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle.
Monitor market trends, property values, and competitive lending activity within assigned territories.
Maintain a strong pipeline and achieve established production goals.
Ensure compliance with regulatory requirements, internal policies, and credit standards.
Support portfolio retention, loan modifications, and relationship expansion as needed.