Leveraged Lending Associate

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Company: Axos Bank

Location: San Diego, CA 92154

Description:

Axos Bank

Target Range:
$85,000.00/Yr. - $95,000.00/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: 17.5%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 17.5%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job
The Leveraged Lending Associate plays a critical role in supporting the origination, structuring, underwriting, and portfolio management of leveraged loans for corporate and private equity-backed clients. This position requires strong financial modeling skills, credit analysis expertise, and a deep understanding of leveraged finance markets.

Responsibilities:
  • Assist in credit underwriting and portfolio management of diverse debt solutions for middle market companies supported by private equity ownership. Specifically:
    - LBO Financing
    - Acquisition Financing
    - Debt Refinancing
    - Recapitalizations
  • Prepare credit write ups/pre-screen memos and present to senior management
  • Assist with the draft and negotiation of term sheets with private equity firms
  • Assist in screening and structuring new loan opportunities
  • Determine a customer's eligibility for financing and related credit risk
  • Spread financial statements, complete ratios, trends, and cash flow analysis, provide clear and concise written financial analysis supporting views of the borrowers' financial condition
  • Analyze credit worthiness of prospective borrowers and guarantors
  • Manage accounts post close
  • Perform industry and geographical research and other due diligence for transactions located throughout the United States
  • Meet deadlines in a fast-paced environment while managing multiple prospects and deal closings
  • Assist with the legal documentation process with internal and external legal counsel
  • Perform site visits of prospective clients
  • Work with deposit and treasury management team to setup account functionality for prospective transaction structures and borrower operational needs
  • Ad-hoc project management to implement strategic and operational initiatives within the group
  • Apply current credit policies to all credit decisions


Qualifications:
  • Bachelor's degree
  • 2+ years supporting commercial lending or similar M&A experience
  • 2+ years underwriting cash flow lending and leveraged buyout transactions
  • Ability to sensitize borrower projections by "stressing" key company and industry drivers and ensuring that Axos' loan structure and collateral position can sustain a downturn in any of these key drivers
  • Strong analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
  • Analytical and financial modeling experience
  • Strong decision making abilities with an emphasis on data and key industry metrics
  • Microsoft Office - Excel, PowerPoint, Word and Visio


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.

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