Senior Portfolio Analyst, SBB

About Us

How This Role Impacts Live Oak and its People

The Senior Portfolio Analyst nurtures client and internal relationships while managing the credit risk and loan quality of assigned accounts. A PA serves as an integral part of the bank’s credit risk management and is responsible for collecting and analyzing financial data, completing financial spread analysis, testing financial covenants, and completing loan reviews, advances, renewals, modifications, and amendments. Additionally, a PA must anticipate customer needs, assess non-financial discrepancies, and facilitate appropriate regular interactions between executive management and asset managers of clients and the bank. Finally, a PA is expected to gain a comprehensive understanding of their clients’ business to deliver meaningful feedback and effectuate new revenue opportunities within the portfolio.

What You’ll Do at Live Oak

• Serve as a point of contact for a specified book of clients and as a liaison to internal teams such as loan officers, relationship managers, underwriting, credit, capital markets, closing, operations, and others.

• Collect and analyze financial information from assigned accounts throughout the life of the relationship.
• Responsible for reviewing and spreading financial statements.
• Manage collateral monitoring including asset-based facilities with borrowing bases.
• Ensure clients remain compliant with all conditions set forth in the loan documentation.
• Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions.
• Assist with distilling portfolio insights into actionable underwriting guidance and assist with hoc analysis to assist with originations.

• Individually or as part of the relationship management team. conduct on-boarding of new clients; may lead meetings and discussions with key stakeholders including client executives, equity sponsors, partner lending institutions, developers, and internal team members.

• Manage operational complexity and inquiries from both external and internal stakeholders.

• Identify and underwrite loan modifications/amendments/renewals accurately and timely in accordance with bank procedures and policy.

• Engage Portfolio Manager, relationship managers, loan officers, and credit team to guide underperforming client accounts.

• Identify underperformance and proactively identify root causes that may result in defaults under the loan documents.
• Work with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests.
• Help prepare and participate in quarterly credit meetings.

• Facilitate loan advance requests by working with the client as well as bank legal, credit, and operations departments.

• Underwrite and close advance requests under Delayed Draw Term Loan facilities.
• Responsible for monitoring and processing Revolver advances in a timely manner and pursuant to loan documents.

• Prepare and review annual loan reviews that align with bank and government-guaranteed lending partners as required.

• Identify and pursue expanded banking opportunities with clients such as gaining deposit shares or private wealth referrals.

• As needed, underwrite new lending opportunities for existing clients.

• Stays on top of trends impacting assigned industry verticals and participates in research projects as they arise.

• Complete various projects as needed or as assigned by management.

• Coach and mentor less experienced team members.

• Build out processes and procedures and develop training materials as assigned.

How You’ll Do It

• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the detection and determent of unlawful activities.

• Take ownership of your primary responsibilities and goals; Pursue them with enthusiasm.

• Conduct periodic client visits to obtain enhanced knowledge of clients.

• Monitor and ensure that client credit files remain up to date. This will include creating client credit files, setting up reporting and covenant dashboards, and assisting with various reporting requirements.

• Prepare and deliver presentations in various department meetings on specific loans recommending appropriate action or structure of credits.

• Facilitate third-party engagements including valuations, appraisals, and field exams.

• Exhibit a sense of pride in helping clients and teammates achieve their respective goals.

• Exercise sound judgment; When needed, ask for help or guidance.

• Communicate effectively to set and meet realistic expectations.

• Complete additional tasks as needed by the specific lending team the PA supports.

Required and Preferred Experience

• The successful candidate will have strong organizational skills, excellent verbal and written communication skills, and possess a high degree of financial statement analytical skills.

• A Bachelor’s degree in a related field or equivalent work experience of 10 or more years in a bank commercial lending department is highly preferred.

• Excellent verbal, written, interpersonal, and negotiation skills.

• Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation.

• Strong customer service orientation with attention to detail.

• Strong credit and risk management skills with working knowledge of lending policies and procedures.

• Working knowledge of loan agreements, loan structuring, and collateral procedures.

• Ability to consistently make timely sound recommendations to management while ensuring bank policies and procedures are met.

• Uphold core values and build team member and customer relationships.

• Demonstrated experience utilizing credit software to capture credit applications; above-average PC skills including MS Office Applications (Word, Excel), and the ability to quickly learn new software/systems.

• Collaborative and highly coachable.

• Dependable and exhibit a strong work ethic.

Our Values

• Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.

• Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.

• Respect: Treat everyone wi.th courtesy, politeness, and kindness.

• Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.

• Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more

For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/

Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [email protected]

EEO is the Law

Commitment to Diversity
Live Oak Bank is committed to creating and maintaining a workplace in which all employees have an opportunity to participate and contribute to the success of the business and are valued for their skills, experience, and unique perspectives. This commitment is embodied in company policy and the way we do business at Live Oak Bank and is an important principle of sound business management.

The base pay range for this position is $80,000.00 - $130,000.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.

Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.