AVP, Commercial Credit Policy & Governance Manager

Axos Bank Target Range: $120,000.00/Yr. - $150,000.00/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: 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. About This Job The AVP, Commercial Credit Policy & Governance Manager is responsible for executing and maintaining the Commercial Credit Policy and Governance framework to ensure effective risk oversight, regulatory alignment, and consistent governance practices across the Commercial Bank. This role oversees day to day policy lifecycle management and credit committee governance execution, including ownership of Management Credit Committee and Directors Credit Committee processes, document governance, and coordination of committee materials. The AVP partners closely with Commercial Banking, Risk Management, and Compliance to ensure governing documents are clear, current, and operating as intended, while enabling efficient decision making and a strong risk culture. Responsibilities: Execute and maintain the Commercial Credit Policy and Governance framework, including policy development, periodic review, approvals, issuance, and version control Provide day‑to‑day guidance to first‑ and second‑line partners on Commercial Credit Policy requirements, interpretations, and governance standards Coordinate and drive timely review and approval of Commercial Credit policies, guidelines, and related governing documents to reduce backlog risk Identify and implement improvements to policy clarity, usability, and governance efficiency Own end‑to‑end execution of Management Credit Committee (MCC) and Directors Credit Committee (DCC) governance processes Oversee the MCC Secretary function, including meeting calendars, packet coordination, quality control, and submission timelines Ensure committee materials meet governance standards and clearly articulate risk considerations, policy impacts, and decision points Maintain accurate records of committee decisions, approvals, and action items in accordance with governance requirements Track implementation of approved policy requirements and escalate governance or control gaps as appropriate Partner with Compliance, ERM, and Internal Audit to support audits, examinations, and issue remediation related to credit policy and governance Act as a primary governance point of contact for committee members, presenters, and cross‑functional stakeholders Manage and develop a small governance team, reinforcing accountability, attention to detail, and a strong risk culture Qualifications: Bachelor’s degree in Finance, Business, Risk Management, Accounting, or a related field 5–7+ years of experience within a financial institution, with demonstrated exposure to Commercial Credit, Credit Policy, Governance, or Credit Operations Strong working knowledge of Commercial Credit products, credit risk fundamentals, and policy governance frameworks Prior experience supporting management‑level and/or board‑level committees, including coordination of meeting materials and governance documentation Demonstrated ability to manage complex workflows, multiple deadlines, and cross‑functional stakeholders in a fast‑paced environment Strong written and verbal communication skills, with the ability to produce executive‑ready materials and clearly articulate risk and governance considerations Advanced proficiency in Microsoft Word, Excel, and PowerPoint, with experience preparing committee packets and governance documentation 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) We’re a team of relentless innovators that are challenging the status quo through smart, pro-consumer financial products and services. We got our start in 2000, as an online bank – when the idea of banking online was almost unthinkable. Since then, we’ve evolved to add commercial banking, commercial lending, investment, clearing, and fiduciary services to our toolbox. As modern life continues to present new challenges for clients, we step up and find creative ways to solve them.