AVP Commercial Real Estate Lending

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Job description

Axos: Born digital, Axos Bank has reinvented the banking model and grown to over $14 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!
The Opportunity: Axos is expanding our Commercial Real Estate Specialty Lending Group (CRESL) and is looking for an Assistant Vice President to support the growth of the organization. The CRESL division specializes in originating, underwriting and structuring highly complex commercial real estate transactions across the United States. With transaction sizes up to $200 million and a particular focus on transitional real estate and construction loans, the role provides an opportunity to establish relationships with highly sophisticated counter-parties, develop structuring skills, and manage a deal team.

Responsible for overseeing the vetting, underwriting and structuring of new commercial real estate lending opportunities. Additional scope of responsibilities includes participating in legal negotiations, managing communication with counter-partiesand brokers, and managing a team comprised of 2-3 Analysts.
The Role:

• Review loan opportunities to assess credit quality and feasibility with the banks lending programs
• Recommend loan terms and structures tailored specifically to individual financing opportunities and counter-parties
• Directly manage the due diligence and underwriting process for new loan opportunities
• Assist senior management in the review and negotiation of legal documentation
• Identify key risk issues and recommend action plans to re-mediateconcerns
• Discuss loan level concerns with deal leads and credit personnel
• Ensure credit memorandums and supporting documentation is comprehensive, complete and supportive of findings and conclusions
• Manage and train new analysts on core commercial estate lending fundamentals, including proforma analysis, cash flow modeling, due diligence review and the drafting of credit memorandums
• Establish, maintain and grow relationships with brokers and counter-partiesto drive repeat business

Are You A Fit? :

• Bachelor's degree in Finance, Real Estate, Economics, Accounting, Mathematics, or related field
• 4+ years' in commercial real estate banking as an underwriter, portfolio manager, or relationship manager or finance
• Commercial real estate bridge and construction lending
• Superior analytical and modeling skills capable of generating fully integrated cash flow models
• Spread financial statements and provide clear and concise written financial analysis supporting your views of the borrowers financial condition
• Strong origination, risk, and structuring
• High energy, intellectual curiosity, and ability to work in a demanding environment
• Dedicated work ethic and self-starter
• Proficient with Microsoft Excel and Word
• Familiar with:
  • CoStar and other CRE data providers
  • Salesforce
  • Core legal documents in a commercial real estate transaction (Mortgage, Loan Agreement, Promissory Note, Guarantee)
  • Entity legal structures and formation documents (LLCs, Trusts, Partnerships, Corporations)
  • Loan closing process (Title, Title Policies, Escrow, Funding)
  • Banking rules and regulations

Preferred:

• Masters

Apply directly for consideration as we are not using any outside agencies for any of our openings: 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 schedule1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

AxosBank is anEqualOpportunity 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.