Campus/University Recruitment- Associate Portfolio Analyst, Small Business Banking
Campus/University Recruitment- Associate Portfolio Analyst, Small Business Banking
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$ 44000 - 65000
1 Vacancy
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 Americas 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.
The Small Business Banking Servicing team is seeking December 2025 and May 2026 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 banks 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 Youll 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 banks 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.
How Youll Do It
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.
Required and Preferred Experience
Excellent organization and computer skills (i.e. Excel Word etc.) (Required)
Strong customer service and interpersonal skills (Required)
Bachelors Degree (Required)
Working knowledge of financial statements and demonstrated analytical skills (Preferred)
Our Values
Dedication:Possess a deep commitment to Live Oak Banks 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 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: 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.
The base pay range for this position is $44000.00 - $65000.00 per year. Compensation may also include annual bonuses and long-term incentives subject to various metrics and company policy. A candidates 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.
Required Experience:
IC
Employment Type
Full-Time
