Job Description

About Us

Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.

** Application deadline is 11:59pm on September 25th.

The Small Business Banking Servicing team is seeking December 2026 and May 2027 graduates for this campus/university recruitment job posting for Analysts to join their team upon graduation.

How This Role impacts Live Oak and its People

The Associate Portfolio Analyst (PA) manages the credit risk and customer service needs for a portfolio of loan relationships. 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, traveling to visit customers as-needed, and completing loan reviews, advances, renewals, modifications, and amendments. Additionally, a PA must anticipate customer needs, assess discrepancies, present updates on distressed customers during quarterly meetings, and facilitate discussions to monitor the risk of each client relationship. The PA is expected to gain a comprehensive understanding of their clients’ business to deliver meaningful feedback and drive new business opportunities within the portfolio.

What You’ll Do at Live Oak

• Serves as primary point of contact for a specified book of clients and as a liaison to internal teams including loan officers, underwriters, credit officers, special assets, operations, and others
• Collects and analyzes financial information from assigned accounts throughout the life of the relationship by completing quarterly financial reports and annual reviews
• Ensures clients remain compliant with all conditions set forth in the loan documentation
• Identifies and completes loan modifications/amendments/renewals accurately in accordance with bank policies and procedures
• Proactively identifies underperformance that may result in distressed loans
• Engages Portfolio Manager, loan officers, special assets, and credit team to guide underperforming client accounts
• Works with internal partners to determine and carry out the appropriate response to underperformance to protect the bank’s interests
• Prepares and presents portfolio insights in quarterly meetings to key stakeholders
• Facilitates loan advance requests by working with the client as well as bank legal, credit, and operations departments
• Identifies and pursues expanded banking opportunities with customers
• Monitors and ensures client credit files remain up to date with financial reports, annual reviews, modifications, and other tasks being completely in a timely fashion
• Prioritizes excellent customer service and promptly responds to all customer requests, collaborating with management as needed
• Makes recommendations for risk grade migration based on financial analysis
• Conducts required periodic client visits to obtain enhanced knowledge of clients and communicate Bank expectations
• Prepares and delivers presentations in various department meetings on specific loans recommending appropriate action or structure of credits
• Completes additional tasks as needed by the specific team the PA supports
• Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC

Required Experience

• Bachelor's degree or equivalent experience
• Excellent organization and computer skills (i.e. Excel, Word, etc.)
• Strong customer service and interpersonal skills

Preferred Experience

• Working knowledge of financial statements and demonstrated analytical skills

#LI-DNI

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 with 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 HumanResources@liveoak.bank.

EEO is the Law

The base pay range for this position is $45,232.00 - $66,820.00 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.