Avp, Portfolio Manager, Credit

Job Summary and Opportunity
Review loan files of the commercial real estate loan portfolio including complex bridge and construction loans.
Responsibilities

• Perform detailed loan file reviews of the commercial real estate loan portfolio including complex bridge and construction loans
• Work with Credit Managers to establish portfolio credit risk management performance guardrails and evaluate performance, utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities
• Evaluate loan credit quality, Risk Identification, Policy Compliance, Support for the Credit Decisions, and Loan Structure
• Collaborate in creating and delivering presentations for executive management that include portfolio activities, analytics of risk, performance, emerging trends and opportunities
• Identifies, recommends and effects process changes as related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines
• Interprets and evaluates Bank Credit Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, fully justified and properly approved

Requirements

• 5+ years' with underwriting, credit risk, portfolio management and/or lending on Commercial Real Estate and Construction Loans
• 4+ years' of credit analysis in a similar position with a financial institution
• Familiarity with banking regulations and compliance requirements
• Strong financial analysis and communication skills

Axos Employee Benefits Include

• Compensation for this position includes a Semi-Annual Bonus Plan
• 3 weeks' Vacation, Sick leave, and Holidays (about 11 a year); Medical, Dental, Vision, Life insurance and more
• 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 Self-Directed Trading

APPLY DIRECTLY FOR CONSIDERATION
Born digital, Axos Bank has reinvented the banking model and grown to over $18.7 billion in assets since our founding in 2000. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 digital banks in the country! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).
We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.
Learn more about working here!
Pre-Employment 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 Bank 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.