Construction Risk Analyst

Axos Bank

Construction Risk Analyst supporting the Office of the CCO in construction credit risk analysis and monitoring for Axos Bank. Conducting draw analysis, monitoring commercial credits, and ensuring regulatory compliance.

Posted 6/6/2026full-timeSan Diego • California • 🇺🇸 United StatesJunior💰 $25 - $30 per hourWebsite

About the role

Key responsibilities & impact

Support the Office of the CCO in analyzing and monitoring credit risk associated with construction and development lending
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
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
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 and analysis of a construction draw package

Requirements

What you’ll need

Bachelor’s degree in finance required
Experience in Real Estate, Civil Engineering, Construction Management, Business Administration, or related field preferred
0-2 years of experience in construction lending, construction risk analysis, or commercial real estate credit
Internship or entry-level experience in banking, real estate finance, or construction management preferred
Exposure to construction draw management, inspection reports, or real estate appraisals a plus
Basic real estate financial analysis and project valuation knowledge
Microsoft Office proficiency (Excel required)
Strong attention to detail and analytical thinking
Effective written communication for report preparation
Ability to collaborate across underwriting, credit, and operations teams
Foundational understanding of construction lending and draw request processes is a plus

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

construction lendingconstruction risk analysisreal estate financial analysisproject valuationcovenant trackingconstruction draw managementinspection reportsreal estate appraisalsbudget adherencelien releases

Soft Skills

attention to detailanalytical thinkingeffective written communicationcollaborationproblem-solving