Sr. Portfolio Associate

Axos Bank

Target Range:

$75,000.00/Yr. - $87,500.00/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: 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

The Sr. Portfolio Associate is responsible for active portfolio management and servicing of a commercial real estate loan portfolio within Income Property Lending. The role focuses on maintaining asset quality, mitigating risk, and supporting borrowers through the full lifecycle of post-origination loan activity, including financial monitoring, loan reviews, modifications, and servicing execution. Requires strong analytical judgment, knowledge of lending structures, and the ability to independently manage competing priorities in a fast-paced environment while ensuring compliance with internal credit policies and regulatory requirements.

Responsibilities:

• Manage a portfolio of commercial real estate loans, including multifamily, mixed-use, and hospitality assets, ensuring ongoing asset performance and proactive risk mitigation
• Conduct quarterly loan reviews, including analysis of borrower financials, collateral performance, DSCR, LTV, and overall credit trends; assign and recommend appropriate risk ratings
• Monitor and enforce post-funding covenants, holdbacks, and financial reporting requirements, ensuring timely borrower compliance
• Analyze property and borrower financial statements and perform financial spreads to evaluate cash flow, asset performance, and global repayment capacity
• Process and underwrite borrower requests, including:
  • Loan modifications and extensions
  • Payoff demands and loan payoffs
  • Partial releases of collateral and title transfers
  • Impound releases and insurance claim disbursements
• Coordinate collection of borrower financials through outreach campaigns and ongoing servicing touchpoints
• Partner cross-functionally with Loan Servicing, Credit Analytics, Legal, Special Assets, and Relationship Managers to resolve issues and execute transactions
• Identify deteriorating credits and escalate potential problem loans; support loss mitigation strategies and asset recovery efforts
• Prepare recurring and ad hoc portfolio reporting, including trend analysis, risk reporting, and performance metrics
• Mentor and train junior analysts on financial analysis, portfolio management processes, and credit fundamentals

Qualifications:

• Bachelor’s degree (preferably in Finance, Real Estate, Accounting, or a related field)
• 3–5+ years of experience in commercial real estate lending, portfolio management, underwriting, or loan servicing
• Strong understanding of CRE credit metrics and structures (DSCR, LTV, NOI, global cash flow analysis)
• Experience with loan servicing processes including modifications, covenant compliance, payoffs, and collateral releases
• Ability to analyze financial statements and assess credit risk independently
• Strong organizational skills with the ability to manage a high volume of loans and deadlines
• Excellent communication skills with experience interacting with borrowers and internal stakeholders
• Detail-oriented with a strong focus on accuracy, compliance, and documentation

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).