Associate Portfolio Analyst, Small… at Live Oak Bank · Wilmington

Summary: Live Oak Bank is a digital bank dedicated to serving small business owners across the country. The Associate Portfolio Analyst will manage credit risk and customer service needs for a portfolio of loan relationships, analyzing financial data and ensuring compliance with loan conditions while identifying opportunities for business growth. Responsibilities: - 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 Qualifications: - Bachelor's degree or equivalent experience - Excellent organization and computer skills (i.e. Excel, Word, etc.) - Strong customer service and interpersonal skills Preferred Qualifications: - Working knowledge of financial statements and demonstrated analytical skills Required Skills: Financial analysis, Customer service Important Skills: Excel, Financial statements Benefits: Paid sick leave