Sr. Commercial Underwriting Analyst

About the role

Axos Bank Target Range: $28.00/Hr. - $33.00/Hr. Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Responsibilities

• Analyze borrower financial statements (historical & projected) to assess cash flow adequacy, leverage, liquidity, and performance trends
• Build, update, and interpret financial models including sensitivity cases, leverage metrics, and pro-forma adjustments
• Conduct sponsor analysis: track record, fund strategy, prior performance, and support tendencies
• Perform industry and competitive research to assess sector risks, cyclicality, and key value drivers
• Assist Senior Underwriters in structuring transactions, evaluating collateral, and assessing deal terms
• Review and summarize third-party diligence: Quality of Earnings reports, field exams, legal due diligence, and valuation data
• Partner with internal groups such as Credit, Portfolio Management, Treasury, Loan Operations, and Legal to underwrite and close loans
• Mentor and provide guidance to Analysts, reviewing their work product and supporting their professional development

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
• 1–3+ years of experience in leveraged finance, commercial banking, investment banking, or related credit discipline
• Proficiency in Microsoft Excel (modeling, pivot tables, financial functions)
• Excellent analytical and problem-solving skills
• Strong attention to detail and ability to manage multiple priorities
• Clear written and verbal communication skills

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).

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

• 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.

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)