Jr. Underwriter

Axos Bank

Target Range:

$22.50/Hr. - $29.00/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: 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

Axos is seeking a Jr. Underwriter who will ensure thorough and accurate analysis of loan applications and all related documentation to clear outstanding underwriting conditions in accordance with Axos lending policies and procedures while providing superior service to both internal and external customers; monitors loans in process to ensure timely completion and effective communications to all parties involved.

Responsibilities

• Maintain a thorough working knowledge of Axos lending policies procedures underwriting guidelines loan-to-value published parameters and requirements for packaging of loans
• Examine loan application packages and trailing documentation submitted by Sales and Operations for completeness conformity and acceptability to Axos lending policies and guidelines. Determine if additional documentation is required to complete the underwriting process and clear loan to close
• Analyzing applicant income assets liabilities credit and other factors.
• Reviewing collateral documentation and appraisals
• Adhering to all applicable compliance regulations including BSA BPA and Right to Financial Privacy
• Demonstrates a commitment to fair lending
• Other duties as assigned
  

Qualifications

• Bachelors degree or 2 years of experience in residential lending
• Knowledge of appropriate systems PC Lender/Mortgage Director is a plus
• Ability to retain confidential information and display a high level of professionalism
• Provide timely and courteous service to both internal and external customers
• Ability to communicate effectively in both written and verbal forms
• Ability to perform correct mathematical calculations and analyses
• Ability to organize and prioritize tasks; manage workflow; multi-tasking is essential
• Ability to work as a team player; work productively in a fast-paced environment with minimal supervision
• Knowledgeable of lending practices and procedures including loan documentation requirements
• Familiarity with general lending practices within the industry.

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. Were 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).

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.

Required Experience:

Junior IC