Sr. Commercial Underwriting Analyst

Senior Commercial Underwriting Analyst

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.

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 Senior Commercial Underwriting Analyst provides analytical and transactional support to the underwriting team in evaluating leveraged loan opportunities for corporate and private equitybacked borrowers. This role is ideal for candidates with strong financial and analytical skills who want to build expertise in leveraged credit underwriting.

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
• 13+ 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

Axos Employee Benefits May Include:

• 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).

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)