Special Assets Analyst I

Axos Bank • San Diego, CA

9d • Onsite

About The Position

Axos is seeking a Special Asset Analyst I to support Credit & Portfolio Management functions by managing a portfolio of consumer loans using a risk-based approach.

Requirements

• Bachelor’s degree in Economics, Finance, or Business Administration
• 0–2 years of experience in mortgage servicing or underwriting

Responsibilities

• Conduct risk‑based SFR loan reviews, including analysis of collateral, borrower performance, guarantor strength, and adherence to risk‑rating policies
• Perform ongoing asset monitoring, ensuring accuracy of valuations, credit reports, delinquent tax tracking, property inspections and other portfolio diligence requirements
• Support loan workout strategies through research, data validation, and documentation to assist the Special Assets Manager in determining appropriate action plans
• Prepare and maintain quarterly strategy updates and asset‑level notes for loans assigned to Special Assets, ensuring timely and complete documentation in systems such as Salesforce
• Execute escalation procedures when identifying errors or borrower harm, including root‑cause analysis, scoping review periods, and preparation of compliance self‑reported finding packages
• Track and monitor delinquency metrics, identifying trends, potential borrower distress, and accounts requiring immediate action or additional review
• Collaborate cross‑functionally with Portfolio Management and Consumer Collections business units, and Special Assets leadership to ensure coordinated oversight of criticized or high‑risk loans.
• Assist with risk‑rating recommendations, including analysis of distressed loans, including preparation of supporting documentation
• Support loan modification processing by gathering documentation, validating borrower hardship or performance concerns, and preparing packets for approval where required
• Participate in preparation for watchlist reviews, SFR scoping cycles, and ongoing credit reporting, ensuring accuracy of data inputs and adherence to established scoping criteria
• Maintain clear borrower and internal communication as delegated, following Special Assets protocols for contact levels and communication restrictions

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