AVP, Portfolio Manager

Axos Bank

Target Range: $70,304.00/Yr. - $120,000.00/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: 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 achievement of performance goals and targets.

About This Job

The Assistant Vice President (AVP), Portfolio Manager is responsible for the ongoing credit oversight, risk management, and performance monitoring of a portfolio of commercial loans to operating companies. Commercial Client Lending provides traditional commercial banking credit solutions to middle‑market and commercial clients across a diverse range of industries. The AVP serves as a senior credit partner to Relationship Management, Credit Administration, and Operations, with accountability for proactive portfolio surveillance, covenant compliance, risk escalation, and execution of portfolio actions. The portfolio includes senior secured and unsecured credit facilities such as revolving lines of credit, term loans, and other structured commercial lending products. This role requires independent credit judgment, leadership in risk management activities, and direct involvement in regulatory, audit, and loan review processes.

Responsibilities

• Oversee and manage assigned commercial loan portfolio, including payment performance, maturities, covenant compliance, collateral monitoring, and documentation requirements.
• Perform ongoing credit risk assessments and proactively identify emerging risks, adverse trends, and borrower‑specific issues.
• Review, approve, and elevate covenant breaches, policy exceptions, waivers, and risk rating changes in accordance with delegated authorities.
• Lead portfolio support for renewals, amendments, extensions, and restructurings, partnering closely with Relationship Managers and Credit.
• Provide senior‑level support for periodic loan reviews, including independent financial analysis and risk rating recommendations.
• Prepare and deliver portfolio reporting, risk summaries, and management updates for senior management, committees, and regulators.
• Coordinate and respond to audit, regulatory, and internal review requests, ensuring timely and accurate documentation.
• Ensure data integrity, ownership, and consistency across loan systems including nCino and related platforms.
• Identify process gaps and lead initiatives to enhance reporting, controls, and portfolio management practices.
• Serve as a subject‑matter resource and mentor to Portfolio Analysts and junior team members.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field (MBA or advanced credential a plus).
• Minimum 6–10+ years of experience in commercial portfolio management, credit analysis, or commercial lending.
• Strong understanding of commercial credit structures, cash flow analysis, collateral, and covenant frameworks.
• Demonstrated ability to exercise sound credit judgment and operate independently within policy and authority limits.
• Advanced Excel skills; experience with credit and loan systems such as nCino, Moody’s, or similar platforms preferred.
• Proven ability to manage multiple priorities, meet deadlines, and communicate effectively with senior stakeholders.

Axos Employee Benefits May Include

• 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.

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, breastfeeding, 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.

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