Commercial Loan Officer - IPL
实际起薪将根据包括但不限于地理位置，经验，技能，专业和教育因素而异。这是一个有资格的职位。关于这个工作商业贷款官员收入房地产贷款 (IPL)负责创建，结构化，承包和关闭由收入产生的财产所获得的商业房地产借贷。该角色重点关注与借款人，经纪人和转让合作伙伴建立和管理关系，同时确定符合银行信用标准和增长目标的贷款机会。商业贷款官员在整个贷款过程中担任可信的顾问，并与信用，承包，关闭，投资组合管理和服务团队密切合作，为客户提供卓越的服务和高质量的贷款生产.IPL 业务专注于融资稳定和增值商业房地产资产，包括多家庭，办公室，零售，工业，医疗办公室，酒店，混合用途和自存物业。责任：· 与商业房产投资者，借款人，抵押贷款经纪人和其他推来源建立和维护关系。· 分析借款人财务报表，租金单，运营报表和财产现金流以评估信用能力和贷款机会。· 结构化符合借款人的目标并遵守信贷政策和风险管理指南的贷款交易。· 评估包括债务服务覆盖率比例 (DSCR),贷款到价值 (LTV),债务收益率，赞助力强度和全球现金流等关键的信用指标。· 向信贷与执行管理提出贷款机会和建议。·与借款人和转让合作伙伴协商贷款条款，定价和条件 ·管理交易过程从初步审查到资金，确保及时执行和客户的卓越经验 ·协调承包，评估，法律，关闭和投资组合管理团队在整个贷款生命周期内 ·监测市场趋势，房地产价值和分配领土内的竞争性贷款活动 ·保持强有力的机会管道并实现既定的生产目标 ·确保遵守法规要求，
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Axos BankTarget Range:
$70,000.00/Yr. - $75,000.00/Yr.Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.
This is a commission eligible role.
About This Job
The Commercial Loan Officer – Income Property Lending (IPL) is responsible for originating, structuring, underwriting, and closing commercial real estate loans secured by income-producing properties. This role focuses on building and managing relationships with borrowers, brokers, and referral partners while identifying lending opportunities that align with the Bank’s credit standards and growth objectives. The Commercial Loan Officer serves as a trusted advisor throughout the lending process and works closely with Credit, Underwriting, Closing, Portfolio Management, and Servicing teams to deliver exceptional client service and high-quality loan production.
The IPL business focuses on financing stabilized and value-add commercial real estate assets including multifamily, office, retail, industrial, medical office, hospitality, mixed-use, and self-storage properties.Responsibilities:
- Develop and maintain relationships with commercial real estate investors, borrowers, mortgage brokers, and other referral sources
- Source new lending opportunities for acquisition, refinance, cash-out, bridge, and value-add transactions
- Analyze borrower financial statements, rent rolls, operating statements, and property cash flows to assess creditworthiness and lending opportunities.
- Structure loan transactions that meet borrower objectives while adhering to credit policy and risk management guidelines
- Evaluate key credit metrics including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, sponsorship strength, and global cash flow.
- Present lending opportunities and recommendations to Credit and Executive Management
- Negotiate loan terms, pricing, and conditions with borrowers and referral partners
- Manage the transaction process from initial screening through funding, ensuring timely execution and an exceptional client experience
- Coordinate with Underwriting, Appraisal, Legal, Closing, and Portfolio Management teams throughout the loan lifecycle
- Monitor market trends, property values, and competitive lending activity within assigned territories
- Maintain a strong pipeline of opportunities and achieve established production goals
- Ensure compliance with regulatory requirements, internal policies, and credit standards
- Support portfolio retention efforts, loan modifications, and relationship expansion opportunities as needed
Qualifications:
- Bachelor’s degree in Finance, Business, Real Estate, Accounting, or related field
- 5+ years of experience in commercial real estate lending, income property lending, commercial banking, or CRE originations
- Strong understanding of commercial real estate finance and credit analysis
- Experience underwriting and structuring loans secured by multifamily, office, industrial, retail, hospitality, mixed-use, and other income-producing properties
- Working knowledge of DSCR, LTV, debt yield, NOI analysis, borrower global cash flow, and commercial loan documentation
- Established network of commercial real estate borrowers, brokers, and industry professionals preferred
- Strong sales, negotiation, and relationship management skills
- Excellent verbal, written, and presentation communication abilities
- Ability to manage multiple transactions and deadlines in a fast-paced environment
- Proficiency with Microsoft Office and commercial lending systems
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)
Originally posted on Himalayas