Axos Bank

Target Range:

$205,000.00/Yr. - $230,000.00/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

The FVP, Portfolio Manager Lead is responsible for leading the ongoing management, oversight, and risk monitoring of a portfolio of Non-Real Estate Lender Finance (NRELF) relationships. This role oversees a team of portfolio managers and analysts responsible for evaluating portfolio performance, monitoring collateral and covenant compliance, identifying emerging credit risks, and supporting the long-term profitability and credit quality of the portfolio.

The ideal candidate brings extensive experience in lender finance, specialty finance, asset-backed lending, and structured credit facilities, along with strong leadership capabilities and a deep understanding of credit risk management. This position serves as a key partner to Relationship Management, Underwriting, Credit Administration, and Executive Leadership to support portfolio growth while maintaining prudent risk discipline.

Responsibilities:

• Lead a team responsible for the ongoing monitoring and management of a portfolio of lender finance relationships, including specialty finance companies, consumer lenders, equipment finance companies, funders, and other non-bank financial institutions
• Oversee portfolio performance, collateral quality, covenant compliance, advance rates, borrowing base reporting, and overall credit risk exposure
• Review borrower financial performance, collateral trends, concentration risks, and portfolio metrics to identify emerging issues and recommend appropriate risk mitigation strategies
• Direct the preparation and review of annual credit reviews, risk rating assessments, amendments, waivers, and portfolio reporting
• Partner with Relationship Managers, Underwriters, and Credit Approvers throughout the life cycle of lending relationships
• Support structuring, underwriting, and execution of new transactions, renewals, and modifications
• Ensure timely completion of portfolio monitoring requirements, covenant testing, borrowing base reviews, field examinations, and third-party reporting
• Provide leadership, coaching, and development to portfolio management staff while fostering a culture of accountability, collaboration, and continuous improvement
• Monitor adherence to internal credit policies, regulatory expectations, audit standards, and risk management frameworks
• Prepare and present portfolio performance, risk trends, and concentration analyses to senior management, credit committees, and risk committees
• Drive process improvements, reporting enhancements, and portfolio management best practices to improve operational efficiency and risk oversight

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
• 8+ years of experience in commercial banking, specialty finance, lender finance, asset-based lending, structured finance, or portfolio management
• 3+ years of leadership experience managing portfolio management, underwriting, or credit teams
• Strong understanding of lending structures supporting specialty finance companies, consumer lenders, equipment finance companies, fintechs, and other non-bank financial institutions
• Experience analyzing borrowing bases, collateral performance, cash flow trends, financial statements, and credit risk metrics
• Knowledge of structured lending facilities, warehouse lines, asset-backed lending, and lender finance transactions
• Strong analytical, problem-solving, and credit decision-making skills
• Excellent verbal and written communication skills, including the ability to present complex credit matters to senior leadership and credit committees
• Proven ability to manage multiple priorities in a fast-paced, growth-oriented environment
• Proficiency with financial analysis, portfolio reporting, and risk management tools

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)