Construction Risk Analyst
- Location
- HQ - San Diego, CA
- Listed
- Yesterday
About the role
- Axos Bank
- Target Range: $29.00/Hr. - $34.00/Hr.
- 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: 5%
- Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 5%
- These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.
About This Job
Partner with Credit and Portfolio Management teams to manage construction draw processes across a diverse portfolio of commercial lending relationships. The role evaluates draw requests, analyzes project documentation, and monitors construction progress to ensure compliance with loan agreements and risk guidelines. Leveraging sound credit judgment and a risk-based approach, this position supports prudent portfolio management while delivering a high level of service to internal and external stakeholders.
Responsibilities
- Conduct comprehensive Construction Draw Analysis, collection of Construction/Project related documents. Routine monitoring of commercial credits by way of covenant tracking, servicing borrower inquires, and facilitating the gathering of essential portfolio data is essential.
- Assist in the development and execution of monitoring policies and procedures to manage credit risk effectively and efficiently
- Understand the credit culture and risk tolerance as outlined by senior management and the Board, and proactively identify and mitigate potential threats against the safety and soundness of the loan portfolio.
- Draft decision recommendations based on project progress, budget adherence, and lien releases. Monitor construction progress reports, identifying potential delays or risks. Coordinate with borrowers, contractors, and internal stakeholders to resolve draw-related issues.
- Ensure adherence to bank policies, regulatory requirements, and funding conditions. Maintain accurate records and documentation of all draw requests and approvals.
- Review and understand basic aspects of construction and construction documents to apply towards your review an analysis of a construction draw package.
Qualifications
- Bachelor's degree in Finance, Accounting, Business Administration, Real Estate, Construction Management, or a related field.
- 1-2 years of experience in commercial credit, portfolio monitoring, underwriting, or structuring commercial lending transactions.
- Basic knowledge of commercial lending, credit risk management, and loan portfolio monitoring practices.
- Ability to analyze construction draw packages, including project budgets, lien releases, inspection reports, and supporting construction documentation.
- Strong analytical and critical thinking skills with the ability to make sound recommendations based on project and portfolio performance.
- Knowledge of covenant tracking, loan servicing activities, and commercial loan documentation.
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
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.
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.
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
Equal opportunity and legal notices
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.
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)
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.
From Axos's careers page, first listed on Rolev.ai on November 8, 2026. Rolev.ai is not the employer.
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Common questions
Where is the Construction Risk Analyst job at Axos located?
This Construction Risk Analyst position at Axos is located in HQ - San Diego, CA. Always check Axos's application page for specific state eligibility or relocation policies.
How do I apply for the Construction Risk Analyst position at Axos?
This listing links directly to Axos's Workday application page. You can apply directly on Axos's site, or use Rolev.ai to check your resume fit, generate a zero-hallucination tailored resume and cover letter for this posting, and autofill the Workday application form in 1 click with the Rolev.ai Chrome extension. You always review the form and press Submit yourself.