Construction Risk Analyst

About the role

The Construction Risk Analyst I supports the Office of the CCO in analyzing and monitoring credit risk associated with construction and development lending.

Responsibilities

• Conduct comprehensive Construction Draw Analysis, collection of Construction/Project related documents.
• Routine monitoring of commercial credits by way of covenant tracking, servicing borrower inquires, and facilitating the gathering of essential portfolio data is essential.
• Assist in the development and execution of monitoring policies and procedures to manage credit risk effectively and efficiently.
• Understand the credit culture and risk tolerance as outlined by senior management and the Board, and proactively identify and mitigate potential threats against the safety and soundness of the loan portfolio.
• Draft decision recommendations based on project progress, budget adherence, and lien releases.
• Monitor construction progress reports, identifying potential delays or risks.
• Cook with borrowers, contractors, and internal stakeholders to resolve draw-related issues.
• Ensure adherence to bank policies, regulatory requirements, and funding conditions.
• Maintain accurate records and documentation of all draw requests and approvals.
• Review and understand basic aspects of construction and construction documents to apply towards your review an analysis of a construction draw package.

Qualifications

• Bachelor’s degree in finance required.
• Experience in Real Estate, Civil Engineering, Construction Management, Business Administration, or related field preferred.
• 0-2 years of experience in construction lending, construction risk analysis, or commercial real estate credit.
• Internship or entry-level experience in banking, real estate finance, or construction management preferred.
• Exposure to construction draw management, inspection reports, or real estate appraisals a plus.
• Basic real estate financial analysis and project valuation knowledge.
• Microsoft Office proficiency (Excel required).
• Strong attention to detail and analytical thinking.
• Effective written communication for report preparation.
• Able to collaborate across underwriting, credit, and operations teams.
• Foundational understanding of construction lending and draw request processes is a plus.

Skills

• Attention to detail.
• Strong analytical skills.
• Effective communication.
• Collaboration.
• Understanding of construction lending processes.

Benefits

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).

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.

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)