Sr. Commercial Underwriting Analyst

Axos Bank • San Diego, CA

3d • $28 - $33 • Onsite

About The Position

The Senior Commercial Underwriting Analyst provides analytical and transactional support to the underwriting team in evaluating leveraged loan opportunities for corporate and private equity–backed borrowers. This role is ideal for candidates with strong financial and analytical skills who want to build expertise in leveraged credit underwriting.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
• 1–3+ years of experience in leveraged finance, commercial banking, investment banking, or related credit discipline
• Proficiency in Microsoft Excel (modeling, pivot tables, financial functions)
• Excellent analytical and problem‑solving skills
• Strong attention to detail and ability to manage multiple priorities
• Clear written and verbal communication skills

Responsibilities

• Analyze borrower financial statements (historical & projected) to assess cash flow adequacy, leverage, liquidity, and performance trends
• Build, update, and interpret financial models including sensitivity cases, leverage metrics, and pro‑forma adjustments
• Conduct sponsor analysis: track record, fund strategy, prior performance, and support tendencies
• Perform industry and competitive research to assess sector risks, cyclicality, and key value drivers
• Assist Senior Underwriters in structuring transactions, evaluating collateral, and assessing deal terms
• Review and summarize third‑party diligence: Quality of Earnings reports, field exams, legal due diligence, and valuation data
• Partner with internal groups such as Credit, Portfolio Management, Treasury, Loan Operations, and Legal to underwrite and close loans
• Mentor and provide guidance to Analysts, reviewing their work product and supporting their professional development

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