Commercial Loan Officer - IPL

Location: California

Axos Bank Target 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 field5+ 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…