Commercial Loan Officer - IPL

Axos Bank

Target Range: $70,000.00/Yr. - $75,000.00/Yr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

This is a commission eligible role.

About This Job

The Commercial Loan Officer – Income Property Lending (IPL) is responsible for originating, structuring, underwriting, and closing commercial real estate loans secured by income-producing properties. This role focuses on building and managing relationships with borrowers, brokers, and referral partners while identifying lending opportunities that align with the Bank’s credit standards and growth objectives. The Commercial Loan Officer serves as a trusted advisor throughout the lending process and works closely with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver exceptional client service and high-quality loan production.

The IPL business focuses on financing stabilized and value-add commercial real estate assets including multifamily, office, retail, industrial, medical office, hospitality, mixed-use, and self-storage properties.

Responsibilities:

• Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources
• Source new lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions
• Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities.
• Structure loan transactions that meet borrower objectives while adhering to credit policy and risk management guidelines
• Evaluate key credit metrics including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, sponsorship strength, and global cash flow.
• Present lending opportunities and recommendations to Credit and Executive Management
• Negotiate loan terms, pricing, and conditions with borrowers and referral partners
• Manage the transaction process from initial screening through funding, ensuring timely execution and an exceptional client experience
• Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle
• Monitor market trends, property values, and competitive lending activity within assigned territories
• Maintain a strong pipeline of opportunities and achieve established production goals
• Ensure compliance with regulatory requirements, internal policies, and credit standards
• Support portfolio retention efforts, loan modifications, and relationship expansion opportunities as needed

Qualifications:

• Bachelor’s degree in Finance, Business, Real Estate, Accounting, or related field
• 5+ years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations
• Strong understanding of commercial real estate finance and credit analysis
• Experience underwriting and structuring loans secured by multifamily, office, industrial, retail, hospitality, mixed-use, and other income-producing properties
• Working knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation
• Established network of commercial real estate borrowers, brokers, and industry professionals preferred
• Strong sales, negotiation, and relationship management skills
• Excellent verbal, written, and presentation communication abilities
• Ability to manage multiple transactions and deadlines in a fast-paced environment
• Proficiency with Microsoft Office and commercial lending systems

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)