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About the Role
The VP/FVP, Portfolio Management – CRESL is a senior credit professional responsible for the post-closing administration and oversight of the bank’s largest and most complex Commercial Real Estate Specialty Lending (CRESL) relationships, with a focus on construction and structured facilities. This role leads the evaluation and execution of modifications, amendments, waivers, extensions, and other servicing matters while serving as a senior credit resource. The VP/FVP partners closely with Portfolio Management and Production to effectively manage existing relationships, maintain strong credit discipline, and enable the Production team to remain focused on sourcing and originating new business. The role may also support other complex commercial real estate transactions based on business needs.
Responsibilities
- Serve as the primary post-closing credit contact for a portfolio of large, complex construction and structured finance facilities
- Manage and evaluate modifications, amendments, waivers, extensions, consents and other servicing requests, including credit analysis and approval recommendations
- Proactively manage upcoming maturities, extensions and refinance strategies, escalating emerging risks as appropriate
- Negotiate modification and extension terms with borrowers, sponsors and counsel within delegated authority
- Partner with Legal and outside counsel to execute amendments, extension agreements and other complex transaction documentation
- Serve as a senior credit liaison to clients while partnering with Production on relationship management and identifying additional business opportunities
- Provide senior oversight of construction draws, covenant monitoring, annual reviews, risk ratings, inspections, appraisals and other portfolio activities
- Coordinate with Portfolio Management, Credit Officers and Special Assets to address exceptions and emerging credit risks
- Provide portfolio management and modification support for construction lending, real estate lender finance and other complex CRE transactions
- Support credit policies, regulatory and audit requirements, process improvements and portfolio administration standards
- Train and mentor Production and Credit Administration staff and perform additional responsibilities based on business needs
Requirements
- Bachelor’s degree in Finance, Accounting, Business, Real Estate or a related field
- 7+ years of commercial real estate credit, underwriting, portfolio management or credit administration experience
- Significant experience with construction lending and complex structured real estate transactions; lender finance or note-on-note experience preferred
- Strong knowledge of CRE credit analysis, loan structures, modifications, amendments, extensions, covenants and risk ratings
- Experience negotiating complex credit terms and working with borrowers, sponsors, internal Legal and outside counsel
- Demonstrated ability to identify and manage emerging credit, construction, collateral and maturity risks
- Strong understanding of loan documentation, credit policies, regulatory requirements and portfolio administration
- Proven ability to independently manage complex transactions and effectively partner with senior Credit, Production and Portfolio Management stakeholders
- Strong communication, negotiation, analytical and decision-making skills
- Experience mentoring or providing senior-level guidance to credit and portfolio management professionals preferred
Skills
- Commercial Real Estate Credit
- Underwriting
- Portfolio Management
- Credit Administration
- Construction Lending
- Complex Structured Real Estate Transactions
- Lender Finance
- Note-on-Note Transactions
- CRE Credit Analysis
- Loan Structures
- Modifications
- Amendments
- Extensions
- Covenants
- Risk Ratings
- Negotiation
- Credit Terms
- Loan Documentation
- Credit Policies
- Regulatory Requirements
- Portfolio Administration
- Communication
- Analytical Skills
- Decision-Making Skills
- Mentoring
Location
- Remote
Work Type
- Full-time
Experience Level
- VP/FVP
- 7+ years
Education Level
- Bachelor's degree
Salary/Compensations
- $120,000.00/Yr. - $150,000.00/Yr.
- Annual Discretionary Cash Bonus Target: 25%
- Annual Discretionary Restricted Stock Units Bonus Target: 25%
Benefits
- Medical, Dental, Vision, and Life Insurance
- Paid Sick Leave
- 3 weeks’ Vacation
- Holidays (about 11 a year)
- HSA or FSA account
- 401(k) Retirement Saving Plan with Employer Match Program
- 529 Savings Plan
- Employee Mortgage Loan Program
- Free access to an Axos Bank Account with Self-Directed Trading
About the Company
- 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).
Equal 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, 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.
- 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.
- Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States.
- IER Right to Work Poster (English/Spanish)
- E-Verify Participation Poster (English/Spanish)