Live Oak Bank

Analyst

• 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
• 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
• 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
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC

Senior Portfolio Analyst, Renewable Energy – Solar

Accounting Manager

• Serve as the dedicated accounting subject matter expert for all loan and deposit product workflows
• Oversee accounting operations for loan secondary market activities
• Provide on‑the‑floor support to operations teams
• Identify accounting implications of operational changes
• Oversee operational-level SOX controls
• Collaborate within accounting to maintain accurate alignment between operational systems and the general ledger
• Produce analysis explaining variances between expected and actual financial outcomes tied to operational activity
• Review loan and deposit operational processes for alignment with accounting standards and recommend improvements

Accounting Manager, Loan & Deposit Operations

Business Development Rep

• Drive revenue and close deals
• Own a quota and consistently deliver against embedded banking revenue targets
• Source, qualify, and close new embedded banking partnerships with vertical SaaS platforms, fintechs, and ecosystem partners
• Lead end-to-end sales cycles, from prospecting and discovery through negotiation, contracting, and launch
• Sell value, not just product
• Tailor pitches and solution narratives to specific verticals, using real partner use cases and outcomes
• Run high-impact discovery conversations that uncover partner pain points, growth goals, and monetization opportunities
• Collaborate closely with prospective partners to design solutions aligned to their workflows, customer journeys, and business models
• Lead and coordinate customized demos, proof of concepts (POCs), and pilot programs that clearly demonstrate business value and technical feasibility
• Position Live Oak’s embedded banking capabilities as a strategic growth lever, not just a technical integration
• Partner cross-functionally to win and launch
• Work closely with Solutions Engineering, Product, Risk, Compliance, and Legal to move deals forward efficiently
• Help shape deal structures, pricing, and economics that align partner value with Live Oak’s risk and operating model
• Ensure smooth handoff from closed deal to implementation with clear success criteria
• Maintain a healthy, high-quality pipeline through outbound prospecting, referrals, and ecosystem relationships
• Represent Live Oak Embedded Banking at industry events, conferences, and partner meetings
• Provide market feedback to inform product roadmap and go-to-market strategy
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC

Business Development Officer, Embedded Banking

Compliance

• Evaluate newly boarded loans for data standards
• Assess loan modifications for documentation accuracy
• Verify file maintenance updates by team members
• Validate payoff activity for accuracy
• Monitor daily operational reports for errors
• Contribute to audit preparation and respond to inquiries
• Reconcile general ledger accounts
• Assist training new team members

Loan Operations Compliance Specialist

Operations

• Support loan activities after closing, including funding and account maintenance
• Manage core system data and operational processes for specialized lending products
• Perform general ledger and account reconciliations
• Onboard loans and design onboarding procedures
• Support audits and prepare documentation
• Create and improve departmental procedures

Senior Portfolio Analyst, Renewable Energy – Solar

Accounting Manager, Loan & Deposit Operations

Business Development Officer, Embedded Banking

Loan Operations Compliance Specialist

Senior Loan Operations Specialist