VP, Credit Officer

Job Summary and Opportunity

Lead credit underwriting and portfolio management of diverse debt solutions for middle market companies supported by private equity ownership, and selective fund finance transactions.

 

Responsibilities

• Lead credit underwriting and portfolio management of diverse debt solutions for middle market companies supported by private equity ownership, and selective fund finance transactions. Specifically:
  • LBO Financing
  • Acquisition Financing
  • Debt Refinancing
  • Recapitalizations
  • Capital Call Facilities
• Prepare credit write ups/pre-screen memos and present to senior management
• Draft and negotiate term sheets with private equity firms 
• 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
• Manage accounts post close, including independent review and management of waivers, amendments, and modifications, and financial spreading
• Perform industry and geographical research and other due diligence for transactions located throughout the United States
• 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 with deposit and treasury management team to setup account functionality for prospective transaction structures and borrower operational needs
• Ad-hoc project management to implement strategic and operational initiatives within the group
• Apply current credit policies to all credit decisions
• Help develop procedures and work with technology and project management groups to further develop group scalability

Requirements

• Bachelor's degree
• 10 year's supporting commercial lending 
• Bank credit training 
• Experience working at an OCC regulated bank
• 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

Axos Employee Benefits Include

• Compensation for this position includes a Semi-Annual Bonus Plan
• 3 weeks’ Vacation, Sick leave, and Holidays (about 11 a year); Medical, Dental, Vision, Life insurance and more
• 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 Self-Directed Trading

APPLY DIRECTLY FOR CONSIDERATION

Born digital, Axos Bank has reinvented the banking model and grown to over $18.7 billion in assets since our founding in 2000. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 digital banks in the country! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.

Learn more about working here!

Pre-Employment 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 Bank 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.

 

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