Target Range:
$125,000.00/Yr. - $200,000.00/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.
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
- Credit products covered may include, but not be limited to: primarily cash flow leveraged loans
- 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
Qualifications:
- Bachelor's degree
- 15+ 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:
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 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.
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