FVP, CRE Underwriter

Axos Bank • San Diego, CA

1d • $125,000 - $175,000

About The Position

The First Vice President (FVP), CRE Underwriter is a senior-level credit professional responsible for leading the underwriting, structuring, and risk assessment of complex commercial real estate (CRE) loan transactions. This role partners closely with Relationship Managers, Credit Officers, and senior leadership to assess creditworthiness, prepare detailed credit approval packages, and ensure transactions align with the bank’s credit policy and risk appetite.

The position also manages and develops analysts, coordinates underwriting and loan-closing activities, contributes to credit policy and process development, and represents the Bank at industry and client events. Travel may be required as needed or directed.

Requirements

• Bachelor’s degree in Finance, Real Estate, Accounting, Economics, or a related field.
• At least 7 years of commercial real estate underwriting experience in a banking, financial services, or institutional lending environment.
• Strong analytical and credit risk assessment skills, including deep knowledge of real estate valuation, cash flow modeling, and loan structuring.
• Excellent written and verbal communication skills, with the ability to present complex credit matters concisely and persuasively.
• Ability to manage multiple priorities in a fast-paced environment while maintaining high attention to detail.

Nice To Haves

• MBA or relevant professional certification, such as CFA or CCIM.

Responsibilities

• Perform complex financial or collateral analyses, including modeling or projections analyses.
• Manage analysts through the underwriting process, including CAM and diligence; prepare and review CAMs and PICs before submission; track other items and tasks necessary to close a loan.
• Prepare term sheets and review loan documents through the underwriting process; coordinate the boarding process with additional bank units.
• Train and develop analysts to continually improve.
• Liaise between departments to gain buy-in for business plans, growth strategies, transaction opportunities, and mission-critical operational initiatives; assist in hiring.
• Assist in writing credit policy, guidelines, and key process development.
• Represent the Bank at industry forums, conferences, and client meetings as appropriate; travel as frequently as needed or directed to perform assigned duties.
• Recommend loans for approval to the credit committee.
• Lead group adherence to the management framework and compliance with audit and review needs, including OCC, BDO, Internal Audit, ICR, and SOX review.

Benefits

• Medical, dental, vision, and life insurance.
• Paid sick leave, three weeks’ vacation, and holidays (about 11 per year).
• HSA or FSA account and other voluntary benefits.
• 401(k) retirement savings 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.
• Eligible for an annual discretionary cash bonus target of 25%.
• Eligible for an annual discretionary restricted stock units bonus target of 25%; discretionary target bonuses may be awarded semi-annually based on achievement of performance goals and targets.

What This Job Offers

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