Portfolio Associate

Axos Bank **Target Range:** $75,000.00/Yr. - $100,000.00Yr. 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: 12.5% Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 12.5% *These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.* **About This Job** The Commercial Client Lending Portfolio Associate supports the ongoing credit risk management and monitoring of a portfolio of commercial loans to operating companies. Commercial Client Lending focuses on providing traditional commercial banking credit solutions to middle market and commercial clients across a range of industries. The portfolio includes senior secured and unsecured credit facilities such as revolving lines of credit, term loans, and other structured commercial lending products. Responsibilities include portfolio surveillance, covenant tracking, loan review support, maintaining data integrity across systems, and coordinating with Portfolio Managers, Credit, and Operations to ensure compliance with internal policies and regulatory expectations. **Responsibilities:** - Monitor assigned commercial loan portfolio for payments, maturities, covenant compliance, and required documentation - Track, escalate, and document covenant breaches, exceptions, and emerging credit risks - Support periodic loan reviews, including financial analysis and risk rating recommendations - Assist with renewals, amendments, waivers, extensions, and ongoing portfolio maintenance - Support portfolio reporting, stress testing exercises, and audit/regulatory requests - Maintain accurate loan data and ownership in nCino and related systems - Identify data issues and contribute to process and reporting improvements **Qualifications:** - Bachelor’s degree in Finance, Accounting, Economics, or related field - Minimum 3+ years of experience in portfolio management, credit analysis, and/or commercial lending - Working knowledge of financial statements, credit agreements, and covenant structures - Strong Excel skills; experience with credit systems (nCino, Moody’s, or similar) preferred - High attention to detail, strong organizational skills, and ability to manage deadlines **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. 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). [Learn more about working at Axos](https://www.axosbank.com/Careers) **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 cree…