SVP, Credit Administrator

Axos Bank

Target Range:

$180,000.00/Yr. - $200,000.00/Yr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 15%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 15%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The SVP, Credit Administrator is responsible for the underwriting quality, credit risk management, and portfolio performance of one or more origination channels and lending portfolios. This role partners closely with executive leadership, Sales, Operations, Servicing, internal stakeholders, and external clients to support sound credit decisions, portfolio growth, and business objectives.

Responsibilities:

• Working independently, utilizing judgement and significant underwriting experience to identify risks and mitigants, apply appropriate structures, and determine resultant risk ratings for credit submissions within one or more origination channel(s)/portfolio(s)
• Effectively communicate with all internal and external constituencies to deliver a consistently exceptional client experience (defined by specific SLA’s) for transactions originated within one or more specific origination channel(s)
• Provide assistance with the Vendor sales/acquisition process by demonstrating competence and clear communication of underwriting processes and credit philosophy
• Accountable for the ongoing monitoring and management of risk for the managed portfolio(s) through transaction review, exchanging ideas and opinions, communicating concerns, and personally following policies and procedures as defined
• Managing the credit function from a governance perspective, as defined by Verdant and applicable regulatory authorities
• Serve as the subject matter expert for the specific asset class under management 
• Develop and maintain key risk indicators and other metrics to monitor credit risk related concerns within the specific asset/portfolio space 
• Accountable for data gathering and reporting of salient credit risk metrics.  Knowledge of and ability to utilize tools, techniques and processes for gathering and reporting data for multiple uses by multiple area’s within business
• Collaborate with IT to maintain, update and increase efficiency of credit tools
• Work on special projects as required

Qualifications:

• Bachelor’s degree and ten plus years of experience in a commercial/equipment finance environment
• Ability to complete underwriting process in a timely fashion 
• Knowledge and ability to promote collaboration via information sharing, working with individuals or groups of individuals to problem solve or meet business needs
• Strong project management skills and experience managing a team
• Thorough knowledge of commercial lending regulatory compliance
• Previous exposure to other commercial lending disciplines such as sales, collections, workout, asset management, or syndications
• Knowledge, design, document, implement and evaluate credit policy and procedures in order to increase efficiency and mitigate operational risks.
• Interest in macro and micro economic policy specifically its effect on different industries as well as the associated risks
• Experience in Business Continuity/Disaster Recovery

Axos Employee Benefits May Include:

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).

Learn more about working at Axos

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.

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:

While performing the duties of this position, the employee is required to 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.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

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)