FVP, CRE Underwriter

Axos Bank • San Diego, CA

19h

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. The 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 oversees analysts through underwriting and diligence, recommends loans for approval to the credit committee, supports credit policy and process development, and leads adherence to management frameworks and audit and review requirements. It also represents the Bank at industry forums, conferences, and client meetings as appropriate, with travel as frequently as needed or directed to carry out assigned duties.

Requirements

• Bachelor’s degree in Finance, Real Estate, Accounting, Economics, or a related field.
• 7+ years of commercial real estate underwriting experience in a banking, financial services, or institutional lending environment.
• Strong analytical and credit risk assessment skills, with deep knowledge of real estate valuation, cash flow modeling, and loan structuring.
• Excellent written and verbal communication skills, with the ability to distill complex credit matters into concise and persuasive presentations.
• 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

• Performs complex financial or collateral analyses, including modeling or projections analyses.
• Manages analysts through the underwriting process, including CAM and diligence; prepares and reviews CAMs and PICs before submission and tracks other items and tasks necessary to close a loan.
• Prepares term sheets and reviews loan documents through the underwriting process; coordinates the boarding process with additional bank units.
• Trains and develops analysts to support continuous improvement.
• Liaises between departments to gain buy-in for business plans, growth strategies, transaction opportunities, and mission-critical operational initiatives; assists in hiring.
• Assists in writing credit policy, guidelines, and key process development.
• Represents the Bank at industry forums, conferences, and client meetings as appropriate; travels as frequently as needed or directed to execute assigned duties.
• Recommends loans for approval to the credit committee.
• Leads group adherence to the management framework and compliance with audit and review needs, including OCC, BDO, Internal Audit, ICR, and SOX reviews.

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 savings plan with employer match program.
• 529 savings plan.
• Employee mortgage loan program.
• Free access to an Axos Bank account with self-directed trading.
• Annual discretionary cash bonus target of 25%, potentially awarded semi-annually based on achievement of performance goals and targets.
• Annual discretionary restricted stock units bonus target of 25%, potentially awarded semi-annually based on achievement of performance goals and targets.

What This Job Offers

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