Target Range:
$205,000.00/Yr. - $230,000.00/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: 25%Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 25%These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.
About This Job
The FVP, Portfolio Manager Lead is responsible for leading the ongoing management, oversight, and risk monitoring of a portfolio of Non-Real Estate Lender Finance (NRELF) relationships. This role oversees a team of portfolio managers and analysts responsible for evaluating portfolio performance, monitoring collateral and covenant compliance, identifying emerging credit risks, and supporting the long-term profitability and credit quality of the portfolio.The ideal candidate brings extensive experience in lender finance, specialty finance, asset-backed lending, and structured credit facilities, along with strong leadership capabilities and a deep understanding of credit risk management. This position serves as a key partner to Relationship Management, Underwriting, Credit Administration, and Executive Leadership to support portfolio growth while maintaining prudent risk discipline.
Responsibilities:
- Lead a team responsible for the ongoing monitoring and management of a portfolio of lender finance relationships, including specialty finance companies, consumer lenders, equipment finance companies, funders, and other non-bank financial institutions
- Oversee portfolio performance, collateral quality, covenant compliance, advance rates, borrowing base reporting, and overall credit risk exposure
- Review borrower financial performance, collateral trends, concentration risks, and portfolio metrics to identify emerging issues and recommend appropriate risk mitigation strategies
- Direct the preparation and review of annual credit reviews, risk rating assessments, amendments, waivers, and portfolio reporting
- Partner with Relationship Managers, Underwriters, and Credit Approvers throughout the life cycle of lending relationships
- Support structuring, underwriting, and execution of new transactions, renewals, and modifications
- Ensure timely completion of portfolio monitoring requirements, covenant testing, borrowing base reviews, field examinations, and third-party reporting
- Provide leadership, coaching, and development to portfolio management staff while fostering a culture of accountability, collaboration, and continuous improvement
- Monitor adherence to internal credit policies, regulatory expectations, audit standards, and risk management frameworks
- Prepare and present portfolio performance, risk trends, and concentration analyses to senior management, credit committees, and risk committees
- Drive process improvements, reporting enhancements, and portfolio management best practices to improve operational efficiency and risk oversight
Qualifications:
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
- 8+ years of experience in commercial banking, specialty finance, lender finance, asset-based lending, structured finance, or portfolio management
- 3+ years of leadership experience managing portfolio management, underwriting, or credit teams
- Strong understanding of lending structures supporting specialty finance companies, consumer lenders, equipment finance companies, fintechs, and other non-bank financial institutions
- Experience analyzing borrowing bases, collateral performance, cash flow trends, financial statements, and credit risk metrics
- Knowledge of structured lending facilities, warehouse lines, asset-backed lending, and lender finance transactions
- Strong analytical, problem-solving, and credit decision-making skills
- Excellent verbal and written communication skills, including the ability to present complex credit matters to senior leadership and credit committees
- Proven ability to manage multiple priorities in a fast-paced, growth-oriented environment
- Proficiency with financial analysis, portfolio reporting, and risk management tools
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
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)
Skills Required
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field
- 8+ years of experience in commercial banking, specialty finance, lender finance, asset-based lending, structured finance, or portfolio management
- 3+ years of leadership experience managing portfolio management, underwriting, or credit teams
- Strong understanding of lending structures supporting specialty finance companies, consumer lenders, equipment finance companies, fintechs, and other non-bank financial institutions
- Experience analyzing borrowing bases, collateral performance, cash flow trends, financial statements, and credit risk metrics
- Knowledge of structured lending facilities, warehouse lines, asset-backed lending, and lender finance transactions
- Strong analytical, problem-solving, and credit decision-making skills
- Excellent verbal and written communication skills, including presenting complex credit matters to senior leadership and credit committees
- Ability to manage multiple priorities in a fast-paced, growth-oriented environment
- Proficiency with financial analysis, portfolio reporting, and risk management tools
Axos Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Axos Bank and has not been reviewed or approved by Axos Bank.
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Healthcare Strength — Health coverage includes medical, dental, and vision with multiple plan choices, plus HSA/FSA options and an Employee Assistance Program. Employer HSA contributions and extras like pet insurance and onsite fitness centers at some locations expand the wellness offering.
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Leave & Time Off Breadth — Time off includes around 15 days of vacation for new hires, paid sick leave, and up to 11 company holidays annually. Availability of certain perks and holiday specifics can vary by location or subsidiary, but the baseline PTO/holiday combination is broadly competitive.
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Retirement Support — A 401(k) with company match is offered alongside additional financial programs like a 529 plan, employee mortgage loans, and banking/trading perks. Automatic enrollment and structured matching underscore tangible retirement support for longer‑tenured employees.
Axos Bank Insights
What We Do
Axos is a technology-driven financial services company providing a diverse and ever-growing range of innovative products and services for personal, business and institutional clients nationwide. Powered by exceptional team members, a clearly defined set of values and a culture that is both meritocratic and self-governing, we are transforming banking as we know it. Our mission is summed up in two words: Banking Evolved. Banking Evolved means providing products and services that are technologically superior to our competitors and that offer our customers an unbeatable value proposition. Banking Evolved means continuously innovating and excelling in the following areas: • The incubation, creation and deployment of new businesses and tools that best serve our customers; • The evolution, optimization, delivery, distribution and marketing of our products; • The harnessing of data and technology to manage our business most effectively and efficiently; and • The development and engagement of our team members. To be part of the Axos team is to live our values as your own, to work with a strong sense of individual purpose and to embody a commitment to the shared success of our business. As a meritocracy, we believe that success is earned. We reward individuals on the basis of their achievements. As a self-governing organization, we derive strength from the internal resourcefulness of each individual. We emphasize independence, goal-setting and personal accountability.
