SVP, Credit Administrator - Middle Market

Axos Bank

Target Range:

$180,000.00/Yr. - $225,000.00/Yr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 25%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 25%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

*Target bonus can range from 25%-50% depending on level of experience*
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. Credit products include, but are not limited to, C&I working capital revolvers and term loans, asset based loans, owner occupied real estate, ACH lines, HOA loans, and ad hoc structured loans to support other areas of the banks product offering.

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 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
• Coach and mentor team of direct reports. Develop and maintain key performance metrics
• Work to build and streamline business processes and policies in support of the middle market division

Qualifications:

• Bachelor's degree
• 12+ years' related experience
• Advanced knowledge of commercial credit framework, and basic commercial credit legal documentation principles
• Superior Credit Analysis skills
• Completion of a formal Credit Training Program at a major financial institution
• Ability to use core Microsoft Office programs and applications such as Word and Excel with ease
• Ability to work in a team environment

Axos Employee Benefits May Include:

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.