Portfolio Associate

Axos Bank

Target Range:

$75000.00/Yr. - $100000.00Yr.

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: 12.5%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The Portfolio Management Associate supports the ongoing credit risk management and monitoring of a portfolio of commercial loans to operating companies. This role sits within the Capital Finance vertical of the Corporate Finance ecosystem which focuses on providing traditional commercial banking credit solutions including asset based and borrowing base structures to middle market and commercial clients across a range of industries. Our Portfolio Associates are cross-trained across multiple product types so while this role is anchored in ABL exposure to other structures (including cash flow lending) is expected over time.

The portfolio includes senior secured credit facilities such as revolving lines of credit asset based and borrowing base facilities term loans and other structured commercial lending products. Responsibilities include portfolio surveillance covenant tracking borrowing base review loan review support client and stakeholder management and maintaining data integrity across systems and coordinating with Portfolio Managers Relationship Managers Credit and Operations to ensure compliance with internal policies and regulatory expectations.

Responsibilities:

• Monitor assigned commercial loan portfolio for payments maturities covenant compliance and required documentation
• Track escalate and document covenant breaches exceptions and emerging credit risks
• Support periodic loan reviews including financial analysis and risk rating recommendations
• Assist with renewals amendments waivers extensions and ongoing portfolio maintenance
• Support portfolio reporting stress testing exercises and audit/regulatory requests
• Maintain accurate loan data and ownership in nCino and related systems
• Identify data issues and contribute to process and reporting improvements

Qualifications:

• Bachelors degree in Finance Accounting Economics or related field
• Minimum 3 years of experience in portfolio management credit analysis and/or commercial lending
• Asset based lending and borrowing base lending experience strongly preferred; candidates with cash flow lending experience will also be considered
• Working knowledge of financial statements credit agreements and covenant structures (borrowing base mechanics a plus)
• Strong Excel skills; experience with credit systems (nCino Solifi or similar) preferred
• High attention to detail strong organizational skills and ability to manage deadlines

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. Were 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)