FVP, Commercial Underwriter

Job description

Axos Bank Target Range: $125,000.00/Yr. - $175,000.00/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: 17.5% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 17.5% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets. About This Job The First Vice President (FVP), Commercial Underwriter is a senior-level position responsible for leading the underwriting and risk assessment process for complex commercial lending transactions. This role works closely with Relationship Managers, Credit Officers, and Executive Leadership to evaluate creditworthiness, structure loan packages, and ensure adherence to the institution’s risk appetite and regulatory guidelines. The FVP plays a key role in managing portfolio risk and supporting the growth of high-quality commercial loan assets. Responsibilities: Lead the underwriting of large and complex commercial loans, including C&I and owner-occupied CRE, as well as leveraged and specialty lending Analyze borrower financials, market trends, collateral, and industry risks to assess creditworthiness and structure appropriate credit facilities Ensure all underwriting complies with internal credit policies, regulatory requirements, and industry best practices Prepare and present comprehensive credit approval memoranda to senior credit committees Act as a strategic partner to Relationship Managers, providing guidance on deal structure, risk mitigation, and pricing strategies Monitor existing portfolio performance and proactively identify emerging risks Mentor and provide guidance to junior underwriters and credit analysts; may oversee a small team Participate in policy development and process improvement initiatives related to credit risk and underwriting standards Serve as a subject matter expert for commercial underwriting and risk evaluation Qualifications: Bachelor’s degree in Finance, Accounting, Economics, or related field required; MBA or advanced degree preferred Minimum 10 years of experience in commercial credit underwriting, including large/complex loan structures Deep knowledge of financial statement analysis, loan structuring, collateral evaluation, and cash flow modeling Strong understanding of regulatory guidelines (OCC, FDIC, Basel III) and internal risk-rating systems Proven ability to communicate complex credit decisions clearly and persuasively to senior leadership Excellent analytical, organizational, and leadership skills Experience with portfolio management and risk monitoring tools is a plus High proficiency in credit software platforms and Microsoft Office Suite (especially Excel and PowerPoint) 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.