Consumer Credit Officer

Axos Bank

Target Range:

$20.00/Hr. - $25.00/Hr.

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

Axos is seeking someone to analyze and perform risk assessments on potential loan applicants determining borrowing history and other specific risk factors to determine credit worthiness.

Responsibilities

• Review consumer installment loan applications and all supporting documentation; to reasonably determine an applicant’s financial condition rendering sound decisions supported by guidelines and company policies.
• Communication and notation are clear and thorough to ensure audit and forensic teams understand reasoning for decisions.
• Identifies suspicious data with a seasoned comprehension of online fraud activity and suspicious data points, immediately notifying management of new trends.
• Discusses aspects of loan decisions with applicant, lead source provider or dealership - providing clear and knowledgeable communication.
• Supports training of credit staff and identifies opportunities for both system and process enhancements.
• Meet/exceed performance requirements as evidenced by QC reporting, application count and time to decision.

Qualifications

• Minimum one year of consumer unsecured underwriting loan amounts
• Knowledge of and exposure to theories, principles, and concepts with lending regulations
• Strong understanding of ‘online’ lending, fraud risk and suspicious data attributes.
• Experience with training and supporting others with loan decisions.
• Support the maintenance and suggests enhancements to processes.
• Must be flexible to work Monday - Saturday shift.  Requires flexibility in work schedule, evening hours and weekends may be required.

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).

Learn more about working at Axos

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, 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.

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.

IER Right to Work Poster (English/Spanish)

E-Verify Participation Poster (English/Spanish)