This job has closed.

Axos Bank · 1 day ago

VP, Lender Finance Underwriter

HQ - San Diego, CA

Full-time

Hybrid

Mid, Senior Level

$95K/yr - $160K/yr

7+ years exp

Axos Bank is looking for a Vice President, Lender Finance Underwriter to originate, structure, underwrite, and execute complex credit facilities. The role involves full-cycle underwriting from screening to close, partnering closely with portfolio management, and building procedures and tools to scale the business.

Banking

H1B Sponsor Likely

Responsibilities

Prepare credit write ups and present to senior management

Draft and negotiate term sheets with counterparties

Assist in screening and structuring new loan opportunities

Determine a customer’s eligibility for financing and related credit risk

Spread financial statements, complete ratios, trends, and cash flow analysis, provide clear and concise written financial analysis supporting views of the borrowers’ financial condition

Analyze credit worthiness of prospective borrowers and guarantors

Perform industry and geographical research and other due diligence for properties and transactions properties located throughout the United States

Underwrite and execute complex transactions supported by the following asset classes: corporate cash flow loans, small and medium sized business loans, consumer loans and leases, equipment leases

Financial modeling of structured products, and corporate financial projections

Meet deadlines in a fast-paced environment while managing multiple prospects and deal closings

Manage the legal documentation process with internal and external legal counsel

Perform site visits of prospective clients

Work directly with portfolio management team to assist with post-closing amendments, modification and waiver requests

Implement deposit and treasury management services to prospective borrowers

Ad-hoc project management to implement strategic and operational initiatives within the group

Apply current credit policies to all credit decisions

Maintain strong relationships with institutional counterparties including private debt funds, investment banks, and brokers

Potentially manage a team of analysts

Qualification

Credit underwritingFinancial modelingAnalytical skillsMicrosoft OfficeFormal bank credit trainingOrganizational skillsCommunication skillsProblem-solving skillsTeam management

Required

Bachelor's degree (finance, economics or accounting preferred)

7+ years of experience working in a financial institution in a credit role (preferably with a bank that provides formal bank credit training)

Excellent organizational skills, attention to detail, and written and verbal communication skills

Ability to self-manage multiple and/or shifting priorities to produce professional quality work under time constraints

Capable of working independently and in a group environment

Strong problem recognition and resolution skills

Ability to sensitize borrower projections by 'stressing' key company and industry drivers and ensuring that Axos' loan structure and collateral position can sustain a downturn in any of these key drivers

Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections

Superior analytical and financial modeling experience

Strong decision making abilities with an emphasis on data and key industry metrics

Ability to use Microsoft Office – Excel, PowerPoint, Word and Visio

Preferred

Experience underwriting and structuring asset based and commercial credit transactions

Formal bank credit training

CFA, or progress toward earning it

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

Company

Axos Bank

Glassdoor3.6

Axos Bank is an online bank that assists consumers and businesses in managing their finances.

Founded in 2000

San Diego, California, USA

1001-5000 employees

https://www.axosbank.com/

H1B Sponsorship

Axos Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (24)

2024 (27)

2023 (25)

2022 (14)

2021 (2)