Commercial Underwriting Analyst I

Axos Bank • San Diego, CA

1d • $23 - $29 • Onsite

About The Position

The Commercial Underwriting Analyst I provides analytical support to the underwriting team in assessing middle market, business banking, HOA, and asset-based lending (ABL) opportunities. This role focuses on financial analysis, credit evaluation, and collateral assessment to support sound credit decisions and portfolio performance. Ideal for early-career candidates seeking to build core underwriting and credit risk expertise.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
• Strong analytical and problem-solving skills with high attention to detail
• Proficiency in Excel (financial modeling, data analysis)
• Effective written and verbal communication skills
• Ability to manage multiple priorities in a fast-paced environment

Nice To Haves

• 1+ year of experience in commercial banking, credit analysis, accounting, or related field

Responsibilities

• Perform foundational credit analysis, including review of financial statements, cash flow, and preliminary risk ratings
• Analyze ABL collateral (A/R, inventory, equipment, and other receivables) across a range of structures and industries
• Support underwriting of middle market, business banking, and HOA lending transactions
• Evaluate borrower financial performance and identify key risks and mitigants
• Assist with due diligence, document collection, and underwriting file management
• Contribute to process improvements through data analysis and reporting

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: Entry Level