Target Range:$150,000.00/Yr. - $200,000.00/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: 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.
About This JobAxos Bank is looking for a Vice President, Lender Finance Underwriter to originate, structure, underwrite, and execute complex credit facilities. You'll own full-cycle underwriting from screening to close, partner closely with portfolio management post-close, and help build procedures and tools that scale a growing business.
Responsibilities:- Prepare credit write ups and present to senior management
- Draft and negotiate term sheets with counterparties
- Assist in screening and structuring new loan opportunities
- Determine a customer's eligibility for financing and related credit risk
- Spread financial statements, complete ratios, trends, and cash flow analysis, provide clear and concise written financial analysis supporting views of the borrowers' financial condition
- Analyze credit worthiness of prospective borrowers and guarantors
- Perform industry and geographical research and other due diligence for properties and transactions properties located throughout the United States
- Underwrite and execute complex transactions supported by the following asset classes: corporate cash flow loans, small and medium sized business loans, consumer loans and leases, equipment leases
- Financial modeling of structured products, and corporate financial projections
- Meet deadlines in a fast-paced environment while managing multiple prospects and deal closings
- Manage the legal documentation process with internal and external legal counsel
- Perform site visits of prospective clients
- Work directly with portfolio management team to assist with post-closing amendments, modification and waiver requests
- Implement deposit and treasury management services to prospective borrowers
- Ad-hoc project management to implement strategic and operational initiatives within the group
- Apply current credit policies to all credit decisions
- Maintain strong relationships with institutional counterparties including private debt funds, investment banks, and brokers
- Potentially manage a team of analysts
Qualifications:- Bachelor's degree (finance, economics or accounting preferred)
- 7+ years of experience working in a financial institution in a credit role (preferably with a bank that provides formal bank credit training)
- Excellent organizational skills, attention to detail, and written and verbal communication skills
- Ability to self-manage multiple and/or shifting priorities to produce professional quality work under time constraints
- Capable of working independently and in a group environment
- Strong problem recognition and resolution skills
- Ability to sensitize borrower projections by "stressing" key company and industry drivers and ensuring that Axos' loan structure and collateral position can sustain a downturn in any of these key drivers
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
- Superior analytical and financial modeling experience
- Strong decision making abilities with an emphasis on data and key industry metrics
- Ability to use Microsoft Office - Excel, PowerPoint, Word and Visio
Preferred:- Experience underwriting and structuring asset based and commercial credit transactions
- Formal bank credit training
- CFA, or progress toward earning it
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
