Sr. Portfolio Associate

Axos Bank • San Diego, CA

4d • Onsite

About The Position

The Sr. Portfolio Associate is responsible for active portfolio management and servicing of a commercial real estate loan portfolio within Income Property Lending. The role focuses on maintaining asset quality, mitigating risk, and supporting borrowers through the full lifecycle of post-origination loan activity, including financial monitoring, loan reviews, modifications, and servicing execution. Requires strong analytical judgment, knowledge of lending structures, and the ability to independently manage competing priorities in a fast-paced environment while ensuring compliance with internal credit policies and regulatory requirements.

Requirements

• Bachelor’s degree (preferably in Finance, Real Estate, Accounting, or a related field)
• 3–5+ years of experience in commercial real estate lending, portfolio management, underwriting, or loan servicing
• Strong understanding of CRE credit metrics and structures (DSCR, LTV, NOI, global cash flow analysis)
• Experience with loan servicing processes including modifications, covenant compliance, payoffs, and collateral releases
• Ability to analyze financial statements and assess credit risk independently
• Strong organizational skills with the ability to manage a high volume of loans and deadlines
• Excellent communication skills with experience interacting with borrowers and internal stakeholders
• Detail-oriented with a strong focus on accuracy, compliance, and documentation

Responsibilities

• Manage a portfolio of commercial real estate loans, including multifamily, mixed-use, and hospitality assets, ensuring ongoing asset performance and proactive risk mitigation
• Conduct quarterly loan reviews, including analysis of borrower financials, collateral performance, DSCR, LTV, and overall credit trends; assign and recommend appropriate risk ratings
• Monitor and enforce post-funding covenants, holdbacks, and financial reporting requirements, ensuring timely borrower compliance
• Analyze property and borrower financial statements and perform financial spreads to evaluate cash flow, asset performance, and global repayment capacity
• Process and underwrite borrower requests, including: Loan modifications and extensions, Payoff demands and loan payoffs, Partial releases of collateral and title transfers, Impound releases and insurance claim disbursements
• Coordinate collection of borrower financials through outreach campaigns and ongoing servicing touchpoints
• Partner cross-functionally with Loan Servicing, Credit Analytics, Legal, Special Assets, and Relationship Managers to resolve issues and execute transactions
• Identify deteriorating credits and escalate potential problem loans; support loss mitigation strategies and asset recovery efforts
• Prepare recurring and ad hoc portfolio reporting, including trend analysis, risk reporting, and performance metrics
• Mentor and train junior analysts on financial analysis, portfolio management processes, and credit fundamentals

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: Mid Level