Special Asset Analyst

Axos Bank

Target Range:

$19.00/Hr. - $32.00/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: 10%Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

Axos is seeking a Special Assets Analyst I who will support the Special Assets team in the monitoring, analysis, and resolution of classified, watch list, and problem loan credits across commercial and consumer portfolios. This entry-level analytical role provides exposure to workout strategies, loss mitigation, and credit risk management under the guidance of senior Special Assets staff. The position is designed to develop foundational skills in credit analysis, problem loan reporting, and portfolio monitoring with a clear pathway for advancement within the Credit organization.

Responsibilities:

• Perform financial and collateral analysis for due diligence and evaluate loan repayment ability regarding asset based lending portfolio to minimize credit losses
• Review ongoing financial and collateral performance on existing portfolio accounts. Analyze and recommend appropriate workout strategies to maximize value of loan assets. Perform and approve loan reviews as needed
• Monitor loans in Bankruptcies and Receiverships. Support loss mitigation requests and recommend workout options, including; loan modification, deed in lieu, and short sale requests. Ensure compliance with servicing guides, process special assets inquiries such as; taxes, insurance, appraisals, inspections, etc; and identify potential vendors for such tasks
• Perform activities associated with maintaining process/operations, including developing and implementing policies and procedures on systems and the flow of information
• Receive clear communication including feedback, coaching, individual needs assessment, and training gaps, including regular, one-on-one performance reviews to ensure performance and quality standards are being met
• Prepare documents for amendments, restructures, client requests and review reports according to regulations, policies and standards

Qualifications:

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field required
• 0-2 years of experience in credit analysis, banking, or a related financial role
• Internship or academic project experience in finance, accounting, or credit preferred
• Exposure to financial statement analysis or basic underwriting concepts a plus
• Financial statement analysis and spreading fundamentals
• Microsoft Excel proficiency
• Strong attention to detail and analytical thinking
• Effective written and verbal communication
• Ability to work in a collaborative, deadline-driven environment
• Foundational knowledge of credit underwriting principles

Axos Employee Benefits May Include:

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

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 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.

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)