Special Assets Analyst I

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: 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

Axos is seeking a Special Asset Analyst I to support Credit & Portfolio Management functions by managing a portfolio of consumer loans using a risk-based approach.

Responsibilities:

• Conduct risk‑based SFR loan reviews, including analysis of collateral, borrower performance, guarantor strength, and adherence to risk‑rating policies

• Perform ongoing asset monitoring, ensuring accuracy of valuations, credit reports, delinquent tax tracking, property inspections and other portfolio diligence requirements

• Support loan workout strategies through research, data validation, and documentation to assist the Special Assets Manager in determining appropriate action plans

• Prepare and maintain quarterly strategy updates and asset‑level notes for loans assigned to Special Assets, ensuring timely and complete documentation in systems such as Salesforce

• Execute escalation procedures when identifying errors or borrower harm, including root‑cause analysis, scoping review periods, and preparation of compliance self‑reported finding packages

• Track and monitor delinquency metrics, identifying trends, potential borrower distress, and accounts requiring immediate action or additional review

• Collaborate cross‑functionally with Portfolio Management and Consumer Collections business units, and Special Assets leadership to ensure coordinated oversight of criticized or high‑risk loans. Assist with risk‑rating recommendations, including analysis of distressed loans, including preparation of supporting documentation

• Support loan modification processing by gathering documentation, validating borrower hardship or performance concerns, and preparing packets for approval where required

• Participate in preparation for watchlist reviews, SFR scoping cycles, and ongoing credit reporting, ensuring accuracy of data inputs and adherence to established scoping criteria

• Maintain clear borrower and internal communication as delegated, following Special Assets protocols for contact levels and communication restrictions
  

Qualifications:

• Bachelor’s degree in Economics, Finance, or Business Administration

• 0–2 years of experience in mortgage servicing or underwriting

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)