Credit Analyst

Compensation Axos Bank Target Range: $20.00/Hr. - $27.00/Hr. 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: 12.5% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5%. These discretionary target bonuses may be awarded semi‑annually based upon your achievement of performance goals and targets. Responsibilities Analyze financial statements, credit reports, and business performance data for independent mortgage banks and non‑depository lenders seeking warehouse lines of credit. Assist in underwriting new warehouse credit facilities and annual reviews of existing borrowers, including spreading financials and preparing credit memorandums. Monitor borrower collateral positions by reviewing daily loan‑level reports, aging schedules, and funding activity to identify concentration risks or covenant issues. Collaborate with relationship managers and operations teams to support new facility onboarding and amendments. Conduct quarterly loan reviews for warehouse borrowers, assessing financial performance, portfolio quality, and adherence to credit agreement covenants; elevate exceptions or potential covenant violations to senior credit officers in a timely manner. Complete projects and process improvements as directed. Qualifications Bachelor’s degree in finance, economics, business, accounting, or a related field (or equivalent experience). 1+ years of experience in financial services, banking, lending, or a credit‑related role. Basic understanding of credit analysis concepts, financial statements, and loan documentation. Proficiency in Microsoft Excel and other Office tools. Strong ability to manage multiple files simultaneously. Excellent written and verbal communication skills. Self‑motivated with a desire to learn and grow within the mortgage industry. Exposure to loan documentation, credit file management, or document tracking preferred. Understanding of loan administration workflows and the mortgage banking industry. Internship or entry‑level banking experience. Employee 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 Savings 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. Equal Employment Opportunity Axos is an Equal Opportunity employer committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breastfeeding 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. #J-18808-Ljbffr