Axos Bank
Target Range:
$20.00/Hr. - $27.00/Hr. 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: 12.5%
Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5%
These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.
About This Job
Axos Bank’s Mortgage Banking division is seeking a detail-oriented and analytically driven Credit Analys to join our growing team. In this position, you will support the underwriting and credit review process for warehouse lines of credit extended to independent mortgage banks. You will help evaluate borrower financial strength, monitor collateral, and ensure compliance with Axos’ credit policies.
Responsibilities:
Analyze financial statements, credit reports, and business performance data for independent mortgage banks and non-depository lenders seeking warehouse lines of credit.
Assist in underwriting new warehouse credit facilities and annual reviews of existing borrowers, including spreading financials and preparing credit memorandums.
Monitor borrower collateral positions by reviewing daily loan-level reports, aging schedules, and funding activity to identify concentration risks or covenant issues.
Collaborate with relationship managers and operations teams to support new facility onboarding and amendments.
Conduct quarterly loan reviews for warehouse borrowers, assessing financial performance, portfolio quality, and adherence to credit agreement covenants; escalate exceptions or potential covenant violations to senior credit officers in a timely manner.
Complete projects and process improvements as directed.
Requirements:
Bachelor’s degree in Finance, Economics, Business, Accounting, or a related field (or equivalent experience)
0–2 years of experience in financial services, banking, lending, or a credit-related role
Basic understanding of credit analysis concepts, financial statements, and loan documentation
Proficiency in Microsoft Excel and other Office tools.
Strong attention to detail and ability to manage multiple files simultaneously
Excellent written and verbal communication skills
Self-motivated with a desire to learn and grow within the mortgage industry
Nice to Haves:
Exposure to loan documentation, credit file management, or document tracking preferred
Understanding of loan administration workflows, and mortgage banking industry
Internship or entry-level banking experience
Axos Employee Benefits May Include:
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
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…