SVP, Credit Administrator - Middle Market

Responsibilities

• Approve proposed extensions of credit within authorized loan limits
• Develop alternative strategies on credits through a collaborative effort with business units
• Review pipeline, maturities, and delinquency reports and engage business units for appropriate action
• Engage with credit portfolio management to monitor and manage the risk of a portfolio of commercial borrowers
• Approve periodic loan reviews and confirm the accuracy of the risk rating
• Provide guidance on credit issues including proper structuring, early detection of problem loans to business units through thought leadership and coaching
• Assist in managing problem loan credits
• Collaborate with business units and engage with legal counsel on the documentation of loan transactions
• Proactive in understanding industry, market, and borrower trends to manage the credit risk of an assigned product which could lead to proposing updates to credit policies, guidelines, and procedures
• Coach and mentor team of direct reports. Develop and maintain key performance metrics
• Work to build and streamline business processes and policies in support of the middle market division

Requirements

• Bachelor's degree
• 12+ years' related experience
• Advanced knowledge of commercial credit framework, and basic commercial credit legal documentation principles
• Superior Credit Analysis skills
• Completion of a formal Credit Training Program at a major financial institution
• Ability to use core Microsoft Office programs and applications such as Word and Excel with ease
• Ability to work in a team environment
• 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
• 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:
• Equal Employment Opportunity:

Benefits

Additional Information

Axos Bank Target Range: $180,000.00/Yr. - $225,000.00/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: 25% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 25% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets. About This Job *Target bonus can range from 25%-50% depending on level of experience* The Credit Administrator provides credit oversight through initial and periodic credit reviews and evaluation, loan structuring, and engagement with legal counsel for an assigned portfolio of commercial borrowers. This role is responsible for reviewing and approving loan submissions within the designated credit approval authority. Credit products include, but are not limited to, C&I working capital revolvers and term loans, asset based loans, owner occupied real estate, ACH lines, HOA loans, and ad hoc structured loans to support other areas of the banks product offering.

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