Commercial Loan Officer

🔥 0 minutes ago

🏄 California, Florida, +1 more states – Remote

🏄 California – Remote 🐊 Florida – Remote ☕ Washington – Remote

💵 $70k - $75k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🦅 H1B Visa Sponsor

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Axos Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2000

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Axos Bank is a financial institution offering a range of services including personal and business banking, commercial lending, and investment services. They provide checking and savings accounts, certificates of deposit, mortgages, personal loans, and auto loans. Axos Bank is known for digital banking solutions, including a mobile app that allows customers to manage their finances, make payments, and invest, all from one place. Axos Bank emphasizes advanced data protection for secure online banking and offers high-yield savings accounts and innovative financial tools.

📋 Description

• Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources • Source new lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions • Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities. • Structure loan transactions that meet borrower objectives while adhering to credit policy and risk management guidelines • Evaluate key credit metrics including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, sponsorship strength, and global cash flow. • Present lending opportunities and recommendations to Credit and Executive Management • Negotiate loan terms, pricing, and conditions with borrowers and referral partners • Manage the transaction process from initial screening through funding, ensuring timely execution and an exceptional client experience • Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle • Monitor market trends, property values, and competitive lending activity within assigned territories • Maintain a strong pipeline of opportunities and achieve established production goals • Ensure compliance with regulatory requirements, internal policies, and credit standards • Support portfolio retention efforts, loan modifications, and relationship expansion opportunities as needed

🎯 Requirements

• Bachelor’s degree in Finance, Business, Real Estate, Accounting, or related field • 5+ years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations • Strong understanding of commercial real estate finance and credit analysis • Experience underwriting and structuring loans secured by multifamily, office, industrial, retail, hospitality, mixed-use, and other income-producing properties • Working knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation • Established network of commercial real estate borrowers, brokers, and industry professionals preferred • Strong sales, negotiation, and relationship management skills • Excellent verbal, written, and presentation communication abilities • Ability to manage multiple transactions and deadlines in a fast-paced environment • Proficiency with Microsoft Office and commercial lending systems

🏖️ Benefits

• Medical, Dental, Vision, and Life Insurance • Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year) • 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 an Axos Bank Account with Self-Directed Trading