Hybrid Senior Analyst, Wilmington Market en Live Oak Bank

About Us

How This Role Impacts Live Oak and its People

The Senior Analyst will play a pivotal role in the Wilmington Market team, a unique, geography-focused group within Live Oak Bank’s Commercial Banking division. This team is dedicated to delivering full-service banking solutions to businesses in the Wilmington area, emphasizing personalized service and local expertise.

This role will support the full deal lifecycle—from early-stage prescreening and structuring through credit execution and long-term portfolio servicing. It combines responsibilities traditionally divided between underwriting analysts and portfolio managers into a single, high-impact role.

This individual will enable Relationship Managers to concentrate on client development by managing the credit and servicing functions for new and existing deals, ensuring credit integrity and a seamless client experience post-close.

What You’ll Do at Live Oak

Underwriting & Deal Execution

• Assist Relationship Managers with early-stage deal evaluation and prescreening.

• Analyze borrower financial statements and prepare detailed credit approval materials.

• Support structuring and negotiation of term sheets and loan agreements.

• Present new deals to internal Credit and Loan Committees.

• Manage all aspects of the credit process from approval through closing.

• Coordinate loan documentation and ensure timely, compliant closings.

Portfolio Management & Servicing

• Conduct client onboarding and handoff from origination to servicing.

• Monitor financial performance, covenant compliance, and credit exposures.

• Lead monthly and quarterly portfolio reviews; maintain real-time risk dashboards.

• Track and manage renewals, modifications, and covenant waivers in collaboration with Credit and Legal.

• Coordinate funding requests (e.g., advances, draws, interest reserves) and ensure proper documentation.

• Initiate and coordinate third-party reports (appraisals, environmental reviews, field audits).

• Assist with risk mitigation strategies for underperforming credits and escalate issues appropriately.

• Prepare ongoing loan review packages and servicing memos for internal stakeholders.

Strategic & Cross-Functional Collaboration

• Serve as the operational hub between Relationship Managers, Credit Admin, Legal, and Loan Operations.

• Champion process improvements and automation opportunities within the Wilmington Market team.

• Contribute to strategic planning, market research, and portfolio growth initiatives.

How You’ll Do It           

• Proactively manage multiple priorities across new credit opportunities and active portfolio responsibilities.

• Maintain a comprehensive understanding of credit policy, regulatory expectations, and banking products.

• Apply sound credit judgment while balancing risk and relationship goals.

• Operate with autonomy and a hands-on mindset to ensure exceptional execution and service quality.

• Stay engaged with market and industry trends to help identify new lending opportunities or emerging risks.

Required and Preferred Experience

• Bachelor’s degree in a related field and a minimum of 3 years of experience in commercial credit analysis, underwriting, portfolio management or a minimum of 5 years of equivalent experience in lieu of a degree required.

• Experience in both deal structuring and portfolio monitoring is strongly preferred.

• Strong financial modeling, credit analysis, and risk assessment skills.

• Proven ability to manage complex deals and coordinate across functional areas.

• Working knowledge of loan documentation, servicing processes, and covenant testing.

• Strong relationship-building and communication abilities.

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

The base pay range for this position is $110,000.00 - $150,000.00 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.   

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