VP, CRE Credit Administrator

Axos Bank • San Diego, CA

33d • $100,000 - $150,000

About The Position

If you're looking for a career in fintech with a company that embraces innovation and employee development, Axos Bank might be a great fit! The Credit Administrator provides credit oversight through initial and periodic credit reviews and evaluation, loan structuring, and engagement with legal counsel for an assigned portfolio of commercial borrowers. This role is responsible for reviewing and approving loan submissions within the designated credit approval authority.

Requirements

• Bachelor's degree in finance, Accounting, or relevant focus
• 8+ years of experience underwriting, portfolio management, credit, or related area
• Experience in various CRE business lines such as Income Producing Lending (Income Property Lending / Small Balance Commercial), Bridge, Construction & Development and Structured Finance
• Strong Credit Analysis skills

Nice To Haves

• MBA or completion of a formal Credit Training Program at a major financial institution (preferred)
• Ability to use core Microsoft Office programs and applications such as Word and Excel with ease (preferred)

Responsibilities

• As a key member of a deal team, work closely with Business Units including Team Managers, Credit Underwriting and Portfolio Managers to review and evaluate new credit proposals, amendments, and renewals for a portfolio of commercial borrowers while focusing on the quality and analysis of the credit presented
• Approve proposed extensions of credit within authorized loan limits
• Develop alternative strategies on complex credits through a collaborative effort with business units
• Review pipeline, maturities, and delinquency reports and engage Business Units for appropriate action
• Engage with Credit Portfolio Management to monitor and manage the risk of a portfolio of commercial borrowers
• Approve periodic loan reviews and confirm the accuracy of the risk rating
• Provide guidance on credit issues including proper structuring, early detection of problem loans to Business Units through thought leadership and coaching.
• Assist in managing problem loan credits
• Collaborate with Business Units and engage with legal counsel on the documentation of loan transactions
• Proactive in understanding industry, market, and Borrower trends to manage the credit risk of an assigned product which could lead to proposing updates to credit policies, guidelines, and procedures
• Management responsibilities include coaching, mentoring, and maintaining reporting and key metrics

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
• Number of Employees: 1,001-5,000 employees