Sr. Portfolio Associate

Sr. Portfolio AssociateThe Sr. Portfolio Associate is responsible for active portfolio management and servicing of a commercial real estate loan portfolio within Income Property Lending.

The role focuses on maintaining asset quality, mitigating risk, and supporting borrowers through the full lifecycle of post-origination loan activity, including financial monitoring, loan reviews, modifications, and servicing execution. Requires strong analytical judgment, knowledge of lending structures, and the ability to independently manage competing priorities in a fast-paced environment while ensuring compliance with internal credit policies and regulatory requirements.Responsibilities:Manage a portfolio of commercial real estate loans, including multifamily, mixed-use, and hospitality assets, ensuring ongoing asset performance and proactive risk mitigationConduct quarterly loan reviews, including analysis of borrower financials, collateral performance, DSCR, LTV, and overall credit trends; assign and recommend appropriate risk ratingsMonitor and enforce post-funding covenants, holdbacks, and financial reporting requirements, ensuring timely borrower complianceAnalyze property and borrower financial statements and perform financial spreads to evaluate cash flow, asset performance, and global repayment capacityProcess and underwrite borrower requests, including:Loan modifications and extensionsPayoff demands and loan payoffsPartial releases of collateral and title transfersImpound releases and insurance claim disbursementsCoordinate collection of borrower financials through outreach campaigns and ongoing servicing touchpointsPartner cross-functionally with Loan Servicing, Credit Analytics, Legal, Special Assets, and Relationship Managers to resolve issues and execute transactionsIdentify deteriorating credits and escalate potential problem loans; support loss mitigation strategies and asset recovery effortsPrepare recurring and ad hoc portfolio reporting, including trend analysis, risk reporting, and performance metricsMentor and train junior analysts on financial analysis, portfolio management processes, and credit fundamentalsQualifications:Bachelor's degree (preferably in Finance, Real Estate, Accounting, or a related field)3–5+ years of experience in commercial real estate lending, portfolio management, underwriting, or loan servicingStrong understanding of CRE credit metrics and structures (DSCR, LTV, NOI, global cash flow analysis)Experience with loan servicing processes including modifications, covenant compliance, payoffs, and collateral releasesAbility to analyze financial statements and assess credit risk independentlyStrong organizational skills with the ability to manage a high volume of loans and deadlinesExcellent communication skills with experience interacting with borrowers and internal stakeholdersDetail-oriented with a strong focus on accuracy, compliance, and documentationAxos Employee Benefits May Include:Medical, Dental, Vision, and Life InsurancePaid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)HSA or FSA account and other voluntary benefits401(k) Retirement Saving Plan with Employer Match Program and 529 Savings PlanEmployee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed TradingAbout AxosBorn 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).