Axos Financial, Inc. Investor Presentation
Monitoring & Management Oversight:
Core Products
Single Family Residential
> Portfolio level monitoring with individual loan
reviews completed on an exception basis
(e.g., delinquency, FICO/LTV degradation).
FICO pulled twice a year
> Updated AVMs twice a year
>
Super jumbo loans receive complete annual
loan review, including updated credit report
> Pledged assets receive refreshed CLTV ratios
on a semiannual basis
Portfolio-level review performed quarterly
>
Commercial Specialty
Loan reviews at least quarterly
> Project updates at least quarterly
>
Updated financials at least annually
Site visits & inspections for development
projects
Note: Lists are a sampling and are not purported to be comprehensive.
axos
Income Property Lending
Risk based annual loan review process, with
4 levels depending on financial performance
& risk triggers
> Updated financials at least annually
> FICO pulled twice a year
> Updated AVMs twice a year
Updated credit report and property
inspections requested based on risk triggers
Classified loans receive quarterly review
> Portfolio-level review performed quarterly
> Stress testing performed twice a year
C&I
Loan reviews at least quarterly
> Updated financials at least quarterly
-
Lender Finance
> Borrowing base / custodial reports at least
monthly
Continuous collateral analytics, with quarterly
validation
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