Sr. Portfolio Associate

About the role

Axos Bank Target Range: $75,000.00/Yr. - $87,500.00/Yr. Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Responsibilities

• Manage a portfolio of commercial real estate loans, including multifamily, mixed-use, and hospitality assets, ensuring ongoing asset performance and proactive risk mitigation
• Conduct quarterly loan reviews, including analysis of borrower financials, collateral performance, DSCR, LTV, and overall credit trends; assign and recommend appropriate risk ratings
• Monitor and enforce post-funding covenants, holdbacks, and financial reporting requirements, ensuring timely borrower compliance
• Analyze property and borrower financial statements and perform financial spreads to evaluate cash flow, asset performance, and global repayment capacity
• Process and underwrite borrower requests, including: Loan modifications and extensions, Payoff demands and loan payoffs, Partial releases of collateral and title transfers, Impound releases and insurance claim disbursements
• Coordinate collection of borrower financials through outreach campaigns and ongoing servicing touchpoints
• Partner cross-functionally with Loan Servicing, Credit Analytics, Legal, Special Assets, and Relationship Managers to resolve issues and execute transactions
• Identify deteriorating credits and escalate potential problem loans; support loss mitigation strategies and asset recovery efforts
• Prepare recurring and ad hoc portfolio reporting, including trend analysis, risk reporting, and performance metrics
• Mentor and train junior analysts on financial analysis, portfolio management processes, and credit fundamentals

Qualifications

• Bachelor’s degree (preferably in Finance, Real Estate, Accounting, or a related field)
• 3–5+ years of experience in commercial real estate lending, portfolio management, underwriting, or loan servicing
• Strong understanding of CRE credit metrics and structures (DSCR, LTV, NOI, global cash flow analysis)
• Experience with loan servicing processes including modifications, covenant compliance, payoffs, and collateral releases
• Ability to analyze financial statements and assess credit risk independently
• Strong organizational skills with the ability to manage a high volume of loans and deadlines
• Excellent communication skills with experience interacting with borrowers and internal stakeholders
• Detail-oriented with a strong focus on accuracy, compliance, and documentation

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).

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)