Senior Credit Officer

About Us

How This Role Impacts Live Oak and its People

The Senior Credit Officer Commercial approvescredit requests within individual loan authority adhering to Bank policies andGovernmentprogramguidelines. They willassist in the review of the Banks loan portfolio on a continuing basis in order to prevent or reduce loanlosses; assuresdocumentationis in compliance withloan approvals and state and Federal regulations; assistsinthe detection of deterioration in loan quality; reviewsand ensurescompliance policy objectives are met.

What Youll Do at Live Oak

• Contribute to the overall production of loans while simultaneously ensuring all appropriate risk policies procedures and mitigants are followed.

• Focus on loan transactions and portfolio analysis of the Commercial Finance and E&I lending teams which includes: Seniors Housing ABL/GovCon Sponsor Finance Venture Banking and Energy & Infrastructure.

• Will contribute to the collaborative process that aims to produce sound credit decisions and add appropriately structured loans to support the Banks growth and loan generation goals.

• Approves credit requests within Individual authority adhering to Bank and regulatory guidelines including but not limited to FDIC SBA and USDA.

• Will assist with a myriad of credit functions within the Credit Team. This includes but is not limited to site visits credit training board reports maintenance of credit policy portfolio analysis and member of Commercial Finance Credit Committee. Other tasks may be assigned at the discretion of the Chief Credit Officer Senior Managing Director Credit or Managing Director Commercial Credit.

How Youll Do It

• Use credit training interpersonal skills loan processing underwriting and closing experience and knowledge of rules regulations and LOB policies procedures and lending models to provide detailed analysis of loan transactions presented to the Bank.

• This involves working collaboratively with all departments of the bank involved in loan production.

• This also requires working closely with other risk and portfolio management personnel at the Bank to provide ongoing review and appropriate risk rating of the existing portfolio.

Required and Preferred Experience

• At least 5 years of financial analysis including underwriting of commercial loan credits is required.

• At least 3 years of experience decisioning credit approvals in one or more of the following lending disciplines: commercial real estate energy & infrastructure venture banking project finance or sponsor finance is preferred.

• In-depthknowledge of bankpolicies procedures and criteria.

• Commercial lending and sales experience is preferred.

Skills

• Commercial credit analysis

• Strong mathematical skills

• Exercises sound judgement

• Detail-oriented high level of ownership and accuracy

• Ability to function in a team setting.

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 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: 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.

EEO is the Law

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.