Jr. Banking Analyst - Commercial

Job description

Axos Bank Target Range: $23.00 - $23.00 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: Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets. About This Job Our Jr. Banking Analyst Program provides recent college graduates exposure to various areas focusing on Commercial Banking. This rotational program aims to develop well-rounded professionals equipped with the skills and knowledge necessary to excel and become top performers at Axos Bank. Upon successful completion of this program, analysts are eligible to promote into any area of the enterprise. 2026 Jr. Banking Analyst start dates are: October 5 2027 Jr. Banking Analyst start dates are: January 4, April 5, June 31, October 4 Responsibilities: Commercial Real Estate: Assist in the analysis and management of commercial real estate portfolios, including property financial analysis, market analysis, loan reviews and risk assessment. Lender Finance: Support the evaluation and structuring of lending facilities, including borrowing base analysis and interest coverage ratio calculations. Underwriting: Participate in the underwriting process for commercial loans, including credit verification, financial analysis, and collateral assessment. Portfolio Management: Contribute to the monitoring and management of loan portfolios, including cash flow analysis, debt yield calculations, and concentration analysis. Cashflow: Analyze and project cash flows for various financial products and services, ensuring accurate and timely reporting. Property Lending: Assist in the origination and management of property loans, including appraisal reviews, property inspections, and loan structuring. Due to the rotational nature of this program, responsibilities will vary. The duties listed above provide a general overview of what to expect. Some rotations may require overtime. Program Benefits: Immerse yourself in a dynamic and innovative environment at one of the first digital banks. Gain hands-on experience in multiple areas of the financial services industry. Benefit from professional development and coaching from industry leaders. Engage in a structured mentorship program. Network with professionals across various business units. Make an immediate impact through high-level projects and contributions. Perform in a competitive environment that offers the opportunity for strong performers who complete the program to advance into non-rotational positions. Qualifications: Bachelor’s degree in Finance, Business, Economics, or a related field. Strong analytical and quantitative skills. Excellent communication and interpersonal skills. Ability to work collaboratively in a team environment. Proficiency in Microsoft Excel. Demonstrated interest in the financial services industry. 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. 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)