Portfolio Associate

About the role

The Commercial Client Lending Portfolio Associate supports the ongoing credit risk management and monitoring of a portfolio of commercial loans to operating companies. Commercial Client Lending focuses on providing traditional commercial banking credit solutions to middle market and commercial clients across a range of industries. The portfolio includes senior secured and unsecured credit facilities such as revolving lines of credit, term loans, and other structured commercial lending products.

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

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• Minimum 3+ years of experience in portfolio management, credit analysis, and/or commercial lending
• Working knowledge of financial statements, credit agreements, and covenant structures
• Strong Excel skills; experience with credit systems (nCino, Moody’s, or similar) preferred
• High attention to detail, strong organizational skills, and ability to manage deadlines

Benefits

• 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)