Thomas Constantine

Thomas Constantine joined Axos Bank in August 2010 as Chief Credit Officer. He previously served as a Senior Examiner with the Office of Thrift Supervision (OTS), marking his second tenure with the agency. Mr. Constantine first joined the OTS in 1989 during the Savings and Loan crisis and has accumulated more than three decades of experience in the banking and financial services industries.

Before rejoining the OTS in 2003, Mr. Constantine worked as a commercial real estate loan officer for George Elkins Mortgage Banking Company and later as an Executive Officer at First Bank of Beverly Hills. During his tenure there, he held roles of increasing responsibility, including Portfolio Manager, Chief Lending Officer, and ultimately Chief Credit Officer. His initial exposure to consumer finance began at Whirlpool Acceptance Corporation in 1987.

Mr. Constantine earned his B.A. in Business Economics, with an accounting emphasis, from the University of California at Santa Barbara, where he was recognized as a Collegiate All-American in rugby. Following graduation, he competed internationally with Belmont Shore RFC and went on to lead women’s rugby programs as head coach at the University of California, San Diego, and the University of California, Santa Barbara prior to joining Axos Bank.