Axos Bank

Target Range:

$120,000.00/Yr. - $150,000.00/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 VP/FVP, Portfolio Management – CRESL is a senior credit professional responsible for the post-closing administration and oversight of the bank’s largest and most complex Commercial Real Estate Specialty Lending (CRESL) relationships, with a focus on construction and structured facilities, including note-on-note transactions. Reporting to the SVP, Deputy Chief Credit Officer and Head of Credit Administration, this role leads the evaluation and execution of modifications, amendments, waivers, extensions, maturity management, and other servicing matters while serving as a senior credit resource to borrowers, sponsors, and counsel. The VP/FVP partners closely with Portfolio Management and Production to effectively manage existing relationships, maintain strong credit discipline, and enable the Production team to remain focused on sourcing and originating new business. The role may also support other complex commercial real estate transactions based on business needs.

Responsibilities:

• Serve as the primary post-closing credit contact for a portfolio of large, complex construction and structured finance facilities
• Manage and evaluate modifications, amendments, waivers, extensions, consents and other servicing requests, including credit analysis and approval recommendations
• Proactively manage upcoming maturities, extensions and refinance strategies, escalating emerging risks as appropriate
• Negotiate modification and extension terms with borrowers, sponsors and counsel within delegated authority
• Partner with Legal and outside counsel to execute amendments, extension agreements and other complex transaction documentation
• Serve as a senior credit liaison to clients while partnering with Production on relationship management and identifying additional business opportunities
• Provide senior oversight of construction draws, covenant monitoring, annual reviews, risk ratings, inspections, appraisals and other portfolio activities
• Coordinate with Portfolio Management, Credit Officers and Special Assets to address exceptions and emerging credit risks
• Provide portfolio management and modification support for construction lending, real estate lender finance and other complex CRE transactions
• Support credit policies, regulatory and audit requirements, process improvements and portfolio administration standards
• Train and mentor Production and Credit Administration staff and perform additional responsibilities based on business needs

Qualifications:

• Bachelor’s degree in Finance, Accounting, Business, Real Estate or a related field
• 7+ years of commercial real estate credit, underwriting, portfolio management or credit administration experience
• Significant experience with construction lending and complex structured real estate transactions; lender finance or note-on-note experience preferred
• Strong knowledge of CRE credit analysis, loan structures, modifications, amendments, extensions, covenants and risk ratings
• Experience negotiating complex credit terms and working with borrowers, sponsors, internal Legal and outside counsel
• Demonstrated ability to identify and manage emerging credit, construction, collateral and maturity risks
• Strong understanding of loan documentation, credit policies, regulatory requirements and portfolio administration
• Proven ability to independently manage complex transactions and effectively partner with senior Credit, Production and Portfolio Management stakeholders
• Strong communication, negotiation, analytical and decision-making skills
• Experience mentoring or providing senior-level guidance to credit and portfolio management professionals preferred

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.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

IER Right to Work Poster (English/Spanish)

E-Verify Participation Poster (English/Spanish)