Credit Analyst

Credit Analyst

Axos Bank's Mortgage Banking division is seeking a detail-oriented and analytically driven Credit Analyst to join our growing team. In this position, you will support the underwriting and credit review process for warehouse lines of credit extended to independent mortgage banks. You will help evaluate borrower financial strength, monitor collateral, and ensure compliance with Axos' credit policies.

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; escalate 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 mindfulness and 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 mortgage banking industry
• Internship or entry-level banking experience

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)