Live Oak Bank

Senior Portfolio Analyst, Renewable Energy – Solar

Live Oak Bank

full-time

Posted on:

Location Type: Remote

Location: North Carolina • United States

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Salary

💰 $82,240 - $133,640 per year

Job Level

Senior

About the role

  • 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

Requirements

  • Bachelor’s degree in a related field or equivalent work experience of 10 or more years in a bank
  • 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.
Benefits
  • Health insurance
  • Paid time off
  • Professional development
  • Bonuses
  • Sick leave
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
financial analysiscredit risk assessmentloan underwritingcash flow analysiscollateral evaluationloan structuringregulatory complianceportfolio managementfinancial modelingloan documentation review
Soft Skills
customer service orientationattention to detaileffective communicationteam collaborationproblem-solvingcoaching and mentoringorganizational skillsjudgmentpresentation skillsstakeholder engagement