Commercial Casualty Insurance Underwriter

Axos Bank
Target Range:
$Eligible for an Annual Discretionary Cash Bonus Target: 17.5%
Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 17.5%
These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.
The First Vice President (FVP), Commercial Underwriter is a senior-level position responsible for leading the underwriting and risk assessment process for complex commercial lending transactions. This role works closely with Relationship Managers, Credit Officers, and Executive Leadership to evaluate creditworthiness, structure loan packages, and ensure adherence to the institution’s risk appetite and regulatory guidelines. The FVP plays a key role in managing portfolio risk and supporting the growth of high-quality commercial loan assets.
Lead the underwriting of large and complex commercial loans, including C&I, CRE, construction, and specialty lending
Analyze borrower financials, market trends, collateral, and industry risks to assess creditworthiness and structure appropriate credit facilities
Ensure all underwriting complies with internal credit policies, regulatory requirements, and industry best practices
Act as a strategic partner to Relationship Managers, providing guidance on deal structure, risk mitigation, and pricing strategies
Monitor existing portfolio performance and proactively identify emerging risks
Mentor and provide guidance to junior underwriters and credit analysts; Participate in policy development and process improvement initiatives related to credit risk and underwriting standards
Serve as a subject matter expert for commercial underwriting and risk evaluation
Bachelor’s degree in Finance, Accounting, Economics, or related field required; MBA or advanced degree preferred
Minimum 10 years of experience in commercial credit underwriting, including large/complex loan structures
Deep knowledge of financial statement analysis, loan structuring, collateral evaluation, and cash flow modeling
Strong understanding of regulatory guidelines (OCC, FDIC, Basel III) and internal risk-rating systems
Experience with portfolio management and risk monitoring tools is a plus
High proficiency in credit software platforms and Microsoft Office Suite (especially Excel and PowerPoint)
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

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).

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. 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.
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.
Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.