Commercial Underwriting Analyst I

Responsibilities

• Perform foundational credit analysis, including review of financial statements, cash flow, and preliminary risk ratings
• Analyze ABL collateral (A/R, inventory, equipment, and other receivables) across a range of structures and industries
• Support underwriting of middle market, business banking, and HOA lending transactions
• Evaluate borrower financial performance and identify key risks and mitigants
• Assist with due diligence, document collection, and underwriting file management
• Contribute to process improvements through data analysis and reporting

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business, or related field
• 1+ year of experience in commercial banking, credit analysis, accounting, or related field (preferred)
• Strong analytical and problem-solving skills with high attention to detail
• Proficiency in Excel (financial modeling, data analysis)
• Effective written and verbal communication skills
• Ability to manage multiple priorities in a fast-paced 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:
• 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)

Benefits

Additional Information

Axos Bank Target Range: $23.00/Hr. - $28.50/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: 7.5% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 7.5% These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets. About This Job The Commercial Underwriting Analyst I provides analytical support to the underwriting team in assessing middle market, business banking, HOA, and asset-based lending (ABL) opportunities. This role focuses on financial analysis, credit evaluation, and collateral assessment to support sound credit decisions and portfolio performance. Ideal for early-career candidates seeking to build core underwriting and credit risk expertise.

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