Sr. Portfolio Associate

Compensation Axos Bank Target Range: $75,000.00 / Yr. - $87,500.00 / 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: 10%. Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%. These discretionary target bonuses may be awarded semi‑annually based upon your achievement of performance goals and targets. About This Job The Sr. Portfolio Associate is responsible for active portfolio management and servicing of a commercial real estate loan portfolio within Income Property Lending. The role focuses on maintaining asset quality, mitigating risk, and supporting borrowers through the full lifecycle of post‑origination loan activity, including financial monitoring, loan reviews, modifications, and servicing execution. Requires strong analytical judgment, knowledge of lending structures, and the ability to independently manage competing priorities in a fast‑paced environment while ensuring compliance with internal credit policies and regulatory requirements. Responsibilities Manage a portfolio of commercial real estate loans, including multifamily, mixed‑use, and hospitality assets, ensuring ongoing asset performance and proactive risk mitigation. Conduct quarterly loan reviews, including analysis of borrower financials, collateral performance, DSCR, LTV, and overall credit trends; assign and recommend appropriate risk ratings. Monitor and enforce post‑funding covenants, holdbacks, and financial reporting requirements, ensuring timely borrower compliance. Analyze property and borrower financial statements and perform financial spreads to evaluate cash flow, asset performance, and global repayment capacity. Process and underwrite borrower requests, including: Loan modifications and extensions Payoff demands and loan payoffs Partial releases of collateral and title transfers Impound releases and insurance claim disbursements Coordinate collection of borrower financials through outreach campaigns and ongoing servicing touchpoints. Partner cross‑functionally with Loan Servicing, Credit Analytics, Legal, Special Assets, and Relationship Managers to resolve issues and execute transactions. Identify deteriorating credits and escalate potential problem loans; support loss mitigation strategies and asset recovery efforts. Prepare recurring and ad‑hoc portfolio reporting, including trend analysis, risk reporting, and performance metrics. Mentor and train junior analysts on financial analysis, portfolio management processes, and credit fundamentals. Qualifications Bachelor’s degree (preferably in Finance, Real Estate, Accounting, or a related field). 3–5+ years of experience in commercial real estate lending, portfolio management, underwriting, or loan servicing. Strong understanding of CRE credit metrics and structures (DSCR, LTV, NOI, global cash flow analysis). Experience with loan servicing processes including modifications, covenant compliance, payoffs, and collateral releases. Ability to analyze financial statements and assess credit risk independently. Strong organizational skills with the ability to manage a high volume of loans and deadlines. Excellent communication skills with experience interacting with borrowers and internal stakeholders. Detail‑oriented with a strong focus on accuracy, compliance, and documentation. 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. 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. #J-18808-Ljbffr Axos Bank